The law does not apply at all to: Employers who are required by State or Federal law to consider an applicant or employee's credit report or credit history for the purpose of employment. In practical effect, this means most banks and publicly insured credit unions. A credit union share guaranty corporation, otherwise known as a privately insured credit union, that is approved by the Maryland Commissioner of Financial Regulation.
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To determine if an employer is registered as an investment advisory with the SEC, you may search by the SEC's investment advisor public disclosure website. If I am an employer covered by the law, are there any circumstances in which I may consider a job applicant's credit report or credit history?
An employer may request or use a job applicant's credit report or credit history under two limited circumstances: First, an employer may request or use a job applicant's credit report or credit history if the applicant has a received an offer of employment; and b the credit report will not be used to deny employment or to determine compensation or the terms and conditions of employment. Second, an employer may request or use a job applicant's credit report or credit history if the employer has a bona fide purpose for requesting or using the information that is substantially job-related and disclosed in writing to the applicant.
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What would be a bona fide purpose that is substantially job-related for an employer to request or use information in a credit report or credit history? Employers are cautioned that the substantially job-related exception should be treated with care and interpreted narrowly. For example, a job applicant or employee's credit history is not substantially job-related to a position that only involves possible or incidental exposure to personal financial information, such as in the case of a housekeeper, receptionist, clerk, or building custodian.
In contrast, a job applicant or employee's credit information may arguably be substantially job-related if an essential function of a position involves handling highly confidential financial information, such as in the case of a building manager who routinely reviews financial statements of potential renters, or an accountant or tax preparer. If I am an employer covered by the law, do I need to give a job applicant or employee notice that I am requesting their credit report or credit history? The Job Applicant Fairness Act requires employers to provide job applicants or employees with written notice if they use their credit report or credit history for a bona fide, substantially job-related purpose.
In addition, employers should also be aware that the Federal Fair Credit Reporting Act contains various requirements for employers to follow, including that job applicant or employee give permission before obtaining a copy of their credit report or credit history.
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The Federal Fair Credit Reporting Act also requires covered employers to notify a job applicant or employee if they are taking an "adverse action" against them based on their credit report or credit history. What happens after a complaint has been filed? The Commissioner of Labor and Industry will conduct an investigation.
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If the Commissioner determines that the employer has willfully or negligently violated this law, the Commissioner will work to resolve the matter informally. The Commissioner will send an order to pay the civil penalty to the individual who filed the complaint and the employer.
Is there an appeal procedure for an employer who receives an order to pay the civil penalty? Within 30 days of receiving an order to pay a civil penalty, the employer may file a written request with the Commissioner of Labor and Industry for an administrative hearing.
What if after the administrative hearing, the employer fails to pay a final order to pay a civil penalty? The Commissioner of Labor and Industry or the individual who filed the complaint may bring an action in circuit court to enforce the final order to pay a civil penalty. Who should I contact if I would like additional information? For additional information, contact the Employment Standards Service within the Division of Labor and Industry at or e-mail.
Eutaw Street, Room Baltimore, MD e-mail: dldliemploymentstandards-dllr maryland. This includes a natural increase since the last census of , people that is , births minus , deaths and an increase due to net migration of , people into the state. Immigration from outside the United States resulted in a net increase of , people, and migration within the country produced a net loss of 13, people.
In , , were counted as foreign born, which represents mainly people from Latin America and Asia. About 4. Most of the population of Maryland lives in the central region of the state, in the Baltimore Metropolitan Area and Washington Metropolitan Area, both of which are part of the Baltimore-Washington Metropolitan Area. The Eastern Shore is less populous and more rural, as are the counties of western and southern Maryland.
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They are mountainous and sparsely populated, resembling West Virginia more than they do the rest of Maryland. In fact, 1. The center of population of Maryland is located on the county line between Anne Arundel County and Howard County, in the unincorporated town of Jessup.
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