H.R. 3697House117th Congress (2021-2023)In Committee

Equal Employment for All Act of 2021

Introduced June 4, 2021

AI-Generated Summary

Updated February 8, 2026 at 3:59 AM UTC

The Equal Employment for All Act of 2021 changes the Fair Credit Reporting Act to stop employers from using a person's credit report to make negative hiring or job‑related decisions. It only permits a credit check when the employee gives specific authorization and the job requires a security clearance or is otherwise required by law. The rule applies to both job applicants and current workers.

Key Provisions

  • Prohibits furnishing consumer credit reports to employers for employment decisions unless an exception applies.
  • Allows an employer to use a credit report only if the employee authorizes it and the position requires access to classified information or is otherwise mandated by law.
  • Adds a limitation that an employer cannot deny employment or take other job‑related actions if the employee has not provided the required authorization.

Legislative Activity

Stay on top of the latest movement without scrolling through every action

1 earlier action
HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

June 4, 2021

View full timeline
HouseIntro Referral

Introduced in House

June 4, 2021

HouseIntro Referral

Referred to the House Committee on Financial Services.

June 4, 2021

Floor Debate

24 members

What members said about H.R. 3697 on the floor

11 Republicans13 Democrats
James P. McGovern
Rep. James P. McGovernD-MA-2 · Mar 1, 2022

Mr. Speaker, by direction of the Committee on Rules, I call up House Resolution 950 and ask for its immediate consideration. Mr. Speaker, for the purpose of debate only, I yield the customary 30…

Mariannette Miller-Meeks
Rep. Mariannette Miller-MeeksR-IA-2 · Mar 2, 2022

Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, I rise today in opposition to H.R. 3967, the PACT Act. I wish that this were not the case. I would love to be here today standing…

Mark Takano
Rep. Mark TakanoD-CA-41 · Mar 2, 2022

Mr. Speaker, pursuant to House Resolution 950, I call up the bill (H.R. 3967) to improve health care and benefits for veterans exposed to toxic substances, and for other purposes, and ask for its…

Guy Reschenthaler
Rep. Guy ReschenthalerR-PA-14 · Mar 1, 2022

Mr. Speaker, I yield myself such time as I may consume. I want to thank my good friend, the chairman of the Rules Committee, for yielding me the customary 30 minutes. Mr. Speaker, before I begin, I…

Kevin McCarthy
Rep. Kevin McCarthyR-CA-23 · Mar 1, 2022

Mr. Speaker, I thank my friend for yielding, but more importantly, for his service to our Nation, and when he talks about that bill, you think, in Congress, when can you find something that is…

Show 8 more
Nancy Pelosi
Rep. Nancy PelosiD-CA-12 · Mar 2, 2022

Mr. Speaker, I thank the gentleman for yielding and for his kind words, which I accept on behalf of our working in a bipartisan way for our veterans over the years, Democrats and Republicans. And I…

Sheila Jackson Lee
Rep. Sheila Jackson LeeD-TX-18 · Mar 2, 2022

Mr. Speaker, I thank my distinguished friend for yielding. I rise enthusiastically joining the President and joining our chairman in pushing the Honoring our PACT Act and just remind the underlying…

Steny H. Hoyer
Rep. Steny H. HoyerD-MD-5 · Mar 2, 2022

Mr. Speaker, I thank Chairman Takano not only for yielding time, but much more importantly, I thank him for the extraordinary work he does on behalf of the Armed Forces and for its veterans. He is…

Raul Ruiz
Rep. Raul RuizD-CA-36 · Mar 2, 2022

Mr. Speaker, as we stand here right now, our servicemembers have returned home from the battlefield only to become delayed casualties of war due to their battlefield exposure to toxic burn pits. My…

Julia Brownley
Rep. Julia BrownleyD-CA-26 · Mar 2, 2022

Mr. Speaker, I have an amendment at the desk. Mr. Speaker, I rise to offer a straightforward amendment to H.R. 3967, the Honoring our PACT Act, which would simply ensure toxic-exposed veterans have…

Bruce Westerman
Rep. Bruce WestermanR-AR-4 · Mar 1, 2022

Mr. Speaker, as we witness an evil empire trying to remake itself, I reflect on Mrs. Bolin's first grade class in my tiny rural school in the heartland of America and, as a 6-year-old living during…

Tom Cole
Rep. Tom ColeR-OK-4 · Mar 1, 2022

Mr. Speaker, I thank my friend from Pennsylvania for yielding. It is imperative that we defeat the previous question so that we can bring up the American Energy Independence from Russia Act for…

Garret Graves
Rep. Garret GravesR-LA-6 · Mar 1, 2022

Mr. Speaker, I thank the gentleman from Pennsylvania for yielding. I just heard my friends on the other side say, let's follow the money. Let's follow the money. Mr. Speaker, right now under this…

Show 11 more
Mike Levin
Rep. Mike LevinD-CA-49 · Mar 2, 2022

Mr. Speaker, I thank Chairman Takano for his leadership. Mr. Speaker, I rise today in strong support of the Honoring our PACT Act. All too often, many veterans hear the words ``thank you for your…

Steve Scalise
Rep. Steve ScaliseR-LA-1 · Mar 1, 2022

Mr. Speaker, I thank my friend from Pennsylvania for yielding. First of all, opposing the previous question, the bill that is going to be coming up later is a very partisan bill. We could actually…

Kelly Armstrong
Rep. Kelly ArmstrongR-ND · Mar 1, 2022

Mr. Speaker, my hometown of Dickinson, North Dakota, is in the southern part of the Bakken oil patch. It is where we unleashed this revolutionary technology of shale hydraulic fracturing, horizontal…

Elaine G. Luria
Rep. Elaine G. LuriaD-VA-2 · Mar 2, 2022

Mr. Speaker, as a 20-year veteran myself, it is an honor to stand before you today. I would say that the urgency of what our veterans are facing should not be lost on this body: Autoimmune disorders,…

Yvette Herrell
Rep. Yvette HerrellR-NM-2 · Mar 1, 2022

Mr. Speaker, I rise to oppose the previous question so that the rule can be amended to consider H.R. 6858, the American Energy Independence from Russia Act offered by my colleagues, Ranking Member…

Mary Gay Scanlon
Rep. Mary Gay ScanlonD-PA-5 · Mar 1, 2022

Mr. Speaker, I rise in strong support of today's rule. As we work with President Biden to build a better America, we must honor our debt to our veterans for their service and sacrifice on behalf of…

Deborah K. Ross
Rep. Deborah K. RossD-NC-2 · Mar 1, 2022

Mr. Speaker, today, thousands of veterans struggle with the health effects of exposure to hazardous substances during their training or deployment. Congress has an obligation to provide these men and…

Chris Pappas
Rep. Chris PappasD-NH-1 · Mar 2, 2022

Mr. Speaker, I thank Chairman Takano for yielding and for his leadership on this issue, which answers the call of our Nation's veterans, their advocates, and our veterans service organizations. I…

Cathy McMorris Rodgers
Rep. Cathy McMorris RodgersR-WA-5 · Mar 1, 2022

Mr. Speaker, I rise today to urge immediate consideration of the American Energy Independence from Russia Act. Innocent blood is being spilled in Ukraine as we speak. Women and children are being…

Cori Bush
Rep. Cori BushD-MO-1 · Mar 2, 2022

Mr. Speaker, I thank Mr. Takano for his leadership on this historic legislation. Mr. Speaker, St. Louis and I rise today in support of H.R. 3967, the Honoring our PACT Act, to expand healthcare,…

Bob Gibbs
Rep. Bob GibbsR-OH-7 · Mar 2, 2022

Mr. Speaker, I rise today in support of amendment No. 8 in the en bloc. This amendment helps veterans and their families navigate a bureaucratic maze at VA. It is very frustrating a lot of times when…

Bill Text

Latest available legislative text

Reading Mode
Latest
Introduced in HouseIssued June 4, 2021

I

117th CONGRESS

1st Session

H. R. 3697

IN THE HOUSE OF REPRESENTATIVES

June 4, 2021

Mr. Cohen introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions.

1.

Short title

This Act may be cited as the Equal Employment for All Act of 2021.

2.

Use of credit checks prohibited for employment purposes

Section 604 of the Fair Credit Reporting Act (15 U.S.C. 1681b) is amended—

(1)

in subsection (a)(3)(B), by inserting , subject to the requirements of subsection (b) after purposes; and

(2)

in subsection (b)—

(A)

in paragraph (1)—

(i)

by amending the paragraph heading to read as follows: Use of consumer reports for employment purposes;

(ii)

in subparagraph (A), by redesignating clauses (i) and (ii) as subclauses (I) and (II), respectively, and by moving such subclauses two ems to the right;

(iii)

by redesignating subparagraphs (A) and (B) as clauses (i) and (ii), respectively, and by moving such clauses two ems to the right;

(iv)

by striking the period at the end of clause (ii) (as so redesignated) and inserting ; and;

(v)

by striking agency may furnish and inserting

agency—

(A)

may furnish

; and

(vi)

by adding at the end the following new subparagraph:

(B)

except as provided in paragraph (5), may not furnish a consumer report with respect to any consumer in which any information contained in the report bears on the consumer’s creditworthiness, credit standing, or credit capacity to an employer if the employer seeks to use such information in a denial of employment or any other decision made for employment purposes.

; and

(B)

by adding at the end the following new paragraph:

(5)

Requirements for consumer reports bearing on the consumer’s creditworthiness, credit standing, or credit capacity

(A)

Exceptions

An employer may use a consumer report with respect to any consumer in which any information contained in the report bears on the consumer’s creditworthiness, credit standing, or credit capacity in a decision made for employment purposes or before taking an adverse action for employment purposes only if the consumer authorizes the procurement of the report as described in paragraph (2)(A)(ii) and—

(i)

the consumer applies for, or currently holds, employment that requires the consumer to be eligible for access to classified information; or

(ii)

when otherwise required by law.

(B)

Limitation

A person who seeks to obtain or use a consumer report with respect to any consumer in which any information contained in the report bears on the consumer’s creditworthiness, credit standing, or credit capacity may not deny employment to the consumer or make any other decision for employment purposes with respect to the consumer because the consumer has not authorized the procurement of the report as described in paragraph (2)(A)(ii).

.