Cook County, Illinois, which includes Chicago, and New York City passed ordinances in May that generally bar the use of a person’s credit history as a criterion for hiring and other employment decisions. These enactments are significant, as they represent determinations by the second largest county and largest city in the country to address a major social problem. Ten states have similar statutes.

By contrast, the Equal Employment for All Act, their federal counterpart, introduced by Massachusetts Sen. Elizabeth Warren and Tennessee Rep. Steve Cohen in 2013, died in the 113th Congress. Given the extreme polarization at the national level, reform in this area will likely continue to be spotty and piecemeal.

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