In the News

Indiana passed a Second Chance Law in 2013 which provides individuals with the opportunity to have their criminal records expunged after 5-10 years. Once the expungement is approved, the individual will no longer have to check, "yes" on job applications that inquire about previous convictions. This law is intended to help ex-offenders successfully find jobs. To read more about this law ->

A recent article by Greg Glod (August 5, 2015), proposed an interesting alternative to Ban-the-Box laws. Mr. Glog suggests that rather than placing employers and applicants into less than ideal situations, there should be a system in place to allow ex-offenders to earn the right to seal their criminal records. Once records have been sealed, the candidate would be able to honestly assert that they have not been convicted of a crime. To read more ->

Yesterday, Mayor Bill DeBlasio signed into law the Fair Chance Act, prohibiting private employers in New York City from inquiring into an applicant's past criminal convictions until after a conditional offer employment has been made. If, after conducting a background check, the employer withdraws the offer, it must explain the decision to the applicant in writing and hold the position open for 3 business days so the applicant can respond. To read more ->

As published by Seyfarth Shaw on June 29, 2015, Oregon is the latest to join the ever growing list of states which have enacted "Ban the Box" legislation. As of January 1, 2016, private employers can no longer require job applicants to disclose criminal convictions prior to an initial interview. If no interview is conducted, the law prohibits employers from disclosing criminal convictions prior to making a conditional offer of employment.

Last week, Governor Sandoval signed into effect Nevada Senate Bill 409. This bill lifts the 7-year reporting limitation in Nevada. Consumer Reporting agencies are now able to report convictions older than 7 years in Nevada. To read more ->

On May 6, 2015 (, Mayor Bill DeBlasio signed into law legislation which prohibits employers from requesting or considering a candidate's credit history, with some exceptions (including law enforcement and other professions which involve access to sensitive information, etc.). To read more ->

Consumer advocates have long sought a revamp that would reduce errors on credit reports and make correcting them easier. Recently, a settlement was reached with the nation's three leading national credit reporting agencies, Experian Information Solutions, Inc., Equifax Information Services, LLC, and TransUnion LLC. The settlement provides that the companies will improve credit report accuracy; increase the efficiency to resolve consumer disputes of credit report errors; and protect consumers from the harm that medical debt may cause.

According to a recent article published by the New Castle News Online (by John Finnerty, January 24, 2015), a newly re-written PA Child Protection Law which went into effect in January requires anyone working with or volunteering with children to submit to two state background checks at a cost of $10 each. In addition, all school employees and volunteers who have moved into Pennsylvania in the last decade must get an FBI criminal background check, which involves submitting fingerprints. All checks must be repeated every three years.

In an article recently released by the Federal Trade Commission (January 21, 2015,, a follow-up study regarding Credit Report Accuracy shows that one in five consumers found an error on their credit report which was corrected after a dispute process. Oftentimes, this correction led to a higher credit score, emphasizing just why it is so important for individuals to monitor their credit reports annually.

CII Blog

The Consumer Financial Protection Bureau recently updated the FCRA Summary of Rights document.