The rule.
Restriction Type
Both
Employer Coverage
All employers (BTB); varies (credit)
When Can Ask About Criminal History
After interview or conditional offer
Credit Check Restricted
Limited to specific roles
Key Notes
Job Opportunities for Qualified Applicants Act. Credit checks restricted to roles requiring financial responsibility, bonding, or security clearance.
Job Opportunities for Qualified Applicants Act. Credit checks restricted to roles requiring financial responsibility, bonding, or security clearance.
Last verified: June 2026.
What's in the Background Checks & FCRA Compliance workbook
What's in the workbook
Background Checks — every state covered. Visible items show the chapters; locked items reveal the structural depth.
- ✓State Reference
- ✓Adverse Action Guide
- ✓Compliance Checklist
- ✓Monthly Updates
- 🔒Pre-Adverse Action (Required Before Rejection)
- 🔒Adverse Action (After Waiting Period)
- 🔒Credit Check Adverse Action
- 🔒Initial Assessment
- 🔒Assessment & Decision Process
- 🔒Adverse Action Process
$39
Background Checks & FCRA Compliance — instant download, Excel + Google Sheets, free monthly updates for life.
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