Defines "employer" for purposes of the fair credit reporting act; relates to the requesting or use for employment purposes of the consumer credit history of an applicant for employment or employee; repealer

This bill prohibits employers, including state agencies, from using an applicant's or employee's credit report for hiring, employment decisions, or licensing. It redefines "employer" to explicitly include all businesses and state entities, ensuring the ban applies broadly. The key provision bans the request or use of consumer credit history in employment screenings, replacing prior legislation that had limited exceptions. This directly affects job seekers and current employees in New York who may no longer face credit-based hiring decisions.