ILCS » Chapter 820 · Act 70
Illinois Compiled Statutes

820 ILCS 70/10 (2026)

Employment based on credit history or credit report not permitted

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(820 ILCS 70/10)
    Sec. 10. Employment based on credit history or credit report not permitted.
    (a) Except as provided in this Section, an employer shall not do any of the following:
        (1) Fail or refuse to hire or recruit, discharge, or
    
otherwise discriminate against an individual with respect to employment, compensation, or a term, condition, or privilege of employment because of the individual's credit history or credit report.
        (2) Inquire about an applicant's or employee's credit
    
history.
        (3) Order or obtain an applicant's or employee's
    
credit report from a consumer reporting agency.
    (b) The prohibition in subsection (a) of this Section does not prevent an inquiry or employment action if a satisfactory credit history is an established bona fide occupational requirement of a particular position or a particular group of an employer's employees. A satisfactory credit history is not a bona fide occupational requirement unless at least one of the following circumstances is present:
        (1) State or federal law requires bonding or other
    
security covering an individual holding the position.
        (2) The duties of the position include custody of or
    
unsupervised access to cash or marketable assets valued at $2,500 or more.
        (3) The duties of the position include signatory
    
power over business assets of $100 or more per transaction.
        (4) The position is a managerial position which
    
involves setting the direction or control of the business.
        (5) The position involves access to personal or
    
confidential information, financial information, trade secrets, or State or national security information.
        (6) The position meets criteria in administrative
    
rules, if any, that the U.S. Department of Labor or the Illinois Department of Labor has promulgated to establish the circumstances in which a credit history is a bona fide occupational requirement.
        (7) The employee's or applicant's credit history is
    
otherwise required by or exempt under federal or State law.
(Source: P.A. 96-1426, eff. 1-1-11.)

    
Notes of Decisions
Cited in 3 cases, 2016–2019 · leading case: Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994, 65 N.E.3d 850.
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Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994, 65 N.E.3d 850. · cites it 7× “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994. · cites it 7× “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
Rivera v. Commonwealth Edison Co., 2019 IL App (1st) 182676, 145 N.E.3d 677. · cites it 2× “” 820 ILCS 70/10(a) (West 2016). The defendants contended that the above prohibition on an employer’s investigation into a job applicant’s credit history or use of that credit history in connection with hiring decisions did not apply to the position for which the plaintiff had…”
820 ILCS 70/10(a): 3 cases
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994, 65 N.E.3d 850. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
Rivera v. Commonwealth Edison Co., 2019 IL App (1st) 182676, 145 N.E.3d 677. “” 820 ILCS 70/10(a) (West 2016). The defendants contended that the above prohibition on an employer’s investigation into a job applicant’s credit history or use of that credit history in connection with hiring decisions did not apply to the position for which the plaintiff had…”
820 ILCS 70/10(b): 2 cases
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994, 65 N.E.3d 850. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
820 ILCS 70/10(b)(2): 2 cases
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994, 65 N.E.3d 850. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
820 ILCS 70/10(b)(3): 2 cases
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994, 65 N.E.3d 850. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
820 ILCS 70/10(b)(5): 3 cases
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994, 65 N.E.3d 850. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
Rivera v. Commonwealth Edison Co., 2019 IL App (1st) 182676, 145 N.E.3d 677. “” 820 ILCS 70/10(a) (West 2016). The defendants contended that the above prohibition on an employer’s investigation into a job applicant’s credit history or use of that credit history in connection with hiring decisions did not apply to the position for which the plaintiff had…”
Ohle v. Neiman Marcus Grp., 2016 IL App (1st) 141994. “” 820 ILCS 70/10(a) (West 2012). ¶ 19 Section 10(b) of the Act provides for exemptions from this prohibition for certain jobs.”
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