Elizabeth Warren Introduces the Equal Employment for All Act

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    Elizabeth Warren Introduces the Equal Employment for All Act

     

    Elizabeth Warren Introduces Bill to Prevent Employers From Discriminating Against Poor People

    —By Erika Eichelberger

    | Tue Dec. 17, 2013 9:39 AM GMT 24 Sen. Elizabeth Warren (D-Mass.) with White House senior adviser Valerie Jarrett.  Ron Sachs/Cnp/Prensa Internacional/ZUMAPress

    On Tuesday, Sen. Elizabeth Warren (D-Mass.) and six of her colleagues in the Senateintroduced a bill that would prevent employers from using credit checks in the hiring process, a practice that disproportionately hurts poor people.

    Over the past few decades, credit reporting bureaus have begun selling their services not just to lenders, but to a wide range of employers. Forty-seven percent of employers check applicants' credit history as an indicator of their employability, according to a 2012 survey by the Society for Human Resource Management. But research shows that a person's credit score has nothing to do with her likelihood of succeeding in the workplace. The Equal Employment for All Act—co-sponsored by Sens. Richard Blumenthal (D-Conn.), Sherrod Brown (D-Ohio), Patrick Leahy (D-Vt.), Edward J. Markey (D-Mass.), Jeanne Shaheen (D-N.H.), and Sheldon Whitehouse (D-R.I.)—would prohibit the judging of applicants by this metric.

    "A bad credit rating is far more often the result of unexpected medical costs, unemployment, economic downturns, or other bad breaks than it is a reflection on an individual's character or abilities," Warren said. "Families have not fully recovered from the 2008 financial crisis, and too many Americans are still searching for jobs. This is about basic fairness—let people compete on the merits, not on whether they already have enough money to pay all their bills."

    The bill, which is backed by over 40 community, financial reform, labor and civil rights organizations, would be a boon for low-wage workers, minority communities, and women. Credit checks used in the hiring process disproportionately disqualify people of color. Divorce tends to hit women's finances harder than men's, and women are also more likely to receive subprime loans than men.

    Chi Chi Wu, a staff lawyer at the National Consumer Law Center in Boston, told the New York Times in May that most of the people who contacted her group complaining that they'd been denied a job because of poor credit were low-wage workers applying to big retail chains. "Someone loses their job," she said, "so they can't pay their bills—and now they can't get a job because they couldn’t pay their bills because they lost a job? It’s this Catch-22 that makes no sense."

    There is ample support for the senators' bill. In 2011, Rep. Steve Cohen (D-Tenn.) introduced a similar bill in the HouseNine states have adopted legislation that curbs the use of credit reports to in the hiring process.

       

     

     

     

    http://www.motherjones.com/mojo/2013/12/elizabeth-warren-employers-credit-check

     
  2. You have chosen to ignore posts from andiejen. Show andiejen's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    Below is a summary, written by the CRS, of the Equal Employment for All Act.

    This bill has already been introduced in the House earlier this year.

    As noted, the current practice of tying your credit report to job performance does not make sense...except for the credit but=reaus which make a lot of money selling this information to prospective or current employers.

    This practice does not hurt the rich as much as it hurts the poor or those right now who are still trying to recover from the 2008 recession.

    It also hurts those who had decent to very good credit, suffered a major catastrophe, which in turn affected their credit  and they have not built it up again.

     

     

    LIBRARY OF CONGRESS SUMMARY

    The summary below was written by the Congressional Research Service, which is a nonpartisan division of the Library of Congress.

    2/13/2013--Introduced. Equal Employment for All Act - Amends the Fair Credit Reporting Act to prohibit a current or prospective employer from using a consumer report or an investigative consumer report, or from causing one to be procured, for either employment purposes or for making an adverse action, if the report contains information that bears upon the consumer's creditworthiness, credit standing, or credit capacity. Makes exceptions to such prohibition for employment: (1) which requires a national security or Federal Deposit Insurance Corporation (FDIC) clearance; (2) with a state or local government agency which otherwise requires use of a consumer report; or (3) in a supervisory, managerial, professional, or executive position at a financial institution.

     

     

     

     


    https://www.govtrack.us/congress/bills/113/hr645#summary/libraryofcongress

     
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  4. You have chosen to ignore posts from Hansoribrother. Show Hansoribrother's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    It is amazing how we have to micromange this stuff. What happened to common sense? Too many people trying to justify their existence and make stuff up. 

    Reminds me of a certain profession that has some people chasing emergency vehicles.

     
  5. You have chosen to ignore posts from andiejen. Show andiejen's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to Hansoribrother's comment:

    It is amazing how we have to micromange this stuff. What happened to common sense? Too many people trying to justify their existence and make stuff up. 

    Reminds me of a certain profession that has some people chasing emergency vehicles.



    This is not about me or my family.

    In our case, this practice gives us an edge over otherapplicants since all of our credit scores are excellent.

    Should this past, that "edge" would be taken away.

    Still, I support this act.

    What is yout problem? Bad credit scores? Or good credit scores so you want to keep things as they are since it is in you self-interest?

    Btw, A great credit score can turn into a terrible one just like that.

    Try having a major illness, injury, having your spouse die. 

     

    As for your not so clever reference to lawyers...guess you did not comprehend the post about what a tiny part of the profession they are.

    Sounds a bit like sour grapes. Your brother-in-law is highly succeesful, Ivy League private sector lawyer.

    You are never ever going to catch up to your sister's spouse and family.

    Your sibling rivalry is showing. It gets real old real fast.

    Whatever you do you probably are not as well educated nor as well paid as he. And you are old enough to also know he has a status in society you do not. 

    Xmas Eve/Xmas Day. Sounds like fun for you. More fun for your sister and her successful spouse.

    Keep jabbing at lawyers. I know too many brilliant, educated people who are lawyers. Takes a lot to impress me in other professions. Esp. when that person takes cheap shots.

    Everybody needs a lawyer sometime. Except of course a lawyer.

    Good luck with that.

     

     

     

     
  6. You have chosen to ignore posts from newman09. Show newman09's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act


    Ouch! A little personal there Andie don't you think?

     

     
  7. This post has been removed.

     
  8. You have chosen to ignore posts from andiejen. Show andiejen's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to newman09's comment:


    Ouch! A little personal there Andie don't you think?

     



    newman,

    This is the 2nd thread he did that today. 

    So yes it was personal on both sides.

    The 1st time I went through in a nice way the backgrounds of the 3 lawyers who regularly post here. WDYWN, Reuben and myself.

    None of us fit that bill. WDYWN did a whole post about lawyers.

    Every profession has its good and bad apples. 

    He will not even answer what he does to keep a roof over his head.

    That insult twice in one day was aimed at myself and WDYWN. For no reason.

    You know I have never taken a swipe at you. Ever. 

    If you said the same thing, I would politely address you because you are newman, Someone I have begun to have discussions with and respect the way you handle yourelf on this board.

    You have been respectful to me. I certainly have noticed and appreciate it. 

    In fact I love it when a poster who leans the other way starts to have discussions with me versus trying to score points.

    That is why I gave you this long explanation. I did not want to lose any respect I may have garnered with you. I hope it does not get ugly with him. 

    I will be in the hospital most of tomorrow then recovering for a day or two. 

    Maybe that small break will let things cool off.

    I hope you and I are okay newman.

    Andie

     
  9. You have chosen to ignore posts from andiejen. Show andiejen's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to WhatDoYouWantNow's comment:

    In response to Hansoribrother's comment:

     

    Reminds me of a certain profession that has some people chasing emergency vehicles.

     



    In what way?

     

    And what Godly works do you do, Ms. Theresa?

     

     

     

     

    Methinks the jabs at lawyers is just lazy jealousy from people who wouldn't be able to hack it even in law school...  



    And as I said to newman, that was the 2nd time yesterday the same poster made the same jab.

    That poster still has not told anybody what wonderful work he does in comparison.

    Easy to take shots at others who have at least gone the distance in their profession.

    Very very petty and yes, probably jealous. 

    Until and unless he says what his problem is and what he does...even if it is nothing...IMO I think he should lay off the cheap shots.

     

     
  10. You have chosen to ignore posts from newman09. Show newman09's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to andiejen's comment:

    In response to newman09's comment:


    Ouch! A little personal there Andie don't you think?

     



    newman,

    This is the 2nd thread he did that today. 

    So yes it was personal on both sides.

    The 1st time I went through in a nice way the backgrounds of the 3 lawyers who regularly post here. WDYWN, Reuben and myself.

    None of us fit that bill. WDYWN did a whole post about lawyers.

    Every profession has its good and bad apples. 

    He will not even answer what he does to keep a roof over his head.

    That insult twice in one day was aimed at myself and WDYWN. For no reason.

    You know I have never taken a swipe at you. Ever. 

    If you said the same thing, I would politely address you because you are newman, Someone I have begun to have discussions with and respect the way you handle yourelf on this board.

    You have been respectful to me. I certainly have noticed and appreciate it. 

    In fact I love it when a poster who leans the other way starts to have discussions with me versus trying to score points.

    That is why I gave you this long explanation. I did not want to lose any respect I may have garnered with you. I hope it does not get ugly with him. 

    I will be in the hospital most of tomorrow then recovering for a day or two. 

    Maybe that small break will let things cool off.

    I hope you and I are okay newman.

    Andie




    Reading backwards I better understand why you stood your ground. Good luck with your recovery. No change here between us as far as I'm concerned.

     
  11. This post has been removed.

     
  12. You have chosen to ignore posts from macnh1. Show macnh1's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    I support this bill and Warren...good people have bad things happen to them that effects their credit....it shouldnt be a hiring criteria.  People need to work.

     
  13. You have chosen to ignore posts from MattyScornD. Show MattyScornD's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    Ms. Warren is an expert in tax and bankruptcy law who appears to be utilizing her strengths on behalf of ordinary consumers (citizens).

    The major (if not #1) cause of personal bankruptcy and credit problems in this country is overdue medical bills - incurred by people trying to navigate the most expensive, only marginally effective health care system in the U.S.

    Would that we had more like her...maybe then we wouldn't have clueless lawmakers trying to say there is no crisis re: health care in this country.

     

     
  14. You have chosen to ignore posts from MattyScornD. Show MattyScornD's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to macnh1's comment:

    I support this bill and Warren...good people have bad things happen to them that effects their credit....it shouldnt be a hiring criteria.  People need to work.



    Great.

    Now, if we can get away from job discrimination against women, minorities, immigrants, young people, old people and gays, we just might be able to get some people back to work.

     

     

     
  15. You have chosen to ignore posts from ComingLiberalCrackup. Show ComingLiberalCrackup's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to MattyScornD's comment:

    In response to macnh1's comment:

    I support this bill and Warren...good people have bad things happen to them that effects their credit....it shouldnt be a hiring criteria.  People need to work.



    Great.

    Now, if we can get away from job discrimination against women, minorities, immigrants, young people, old people and gays, we just might be able to get some people back to work.

     



    So...."job discrimination" is the latest excuse for the dearth of private sector employment under the jobkilling Obama statist regime....wow.

    Well, points for creativity, anyway.

     
  16. You have chosen to ignore posts from ronreganfan. Show ronreganfan's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to WhatDoYouWantNow's comment:

    In response to Hansoribrother's comment:

     

    It is amazing how we have to micromange this stuff.

     




     

     

    If only their lordships, the "job creators", were as benevolent as the Heritage Foundation ordered the GOP to tell us they are.

     

     


    Do you have anything substantive to say on whether or not this makes any sense:

    "Someone loses their job," she said, "so they can't pay their bills—and now they can't get a job because they couldn’t pay their bills because they lost a job? It’s this Catch-22 that makes no sense."


    How many people lost their jobs simply due to the recession, then lost their homes, and now have no credit?

    Do you really think it's a good thing that businesses will simply not hire them for that reason?

    Do you not see that, like the abysmal minimum wage, allowing this to go on just lets these Gods of Job Creation shovel these people onto the safety net?

     

     

    I wish we didn't have to micromanage this stuff, but it's clear businesses aren't using common sense. Especially in a recession, one's credit score says little to nothing about their job performance.

    How can business use their common sense?  Is that legal anymore?

    Business has been regulated into inactionable positions by liberal nonsense bills like this.

     

     
  17. You have chosen to ignore posts from MattyScornD. Show MattyScornD's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to ronreganfan's comment:

    Business has been regulated into inactionable positions by liberal nonsense bills like this.

     


    Because lots of businesses clearly can't be trusted to play by the rules and treat people fairly...

    ...especially those rules in which they're supposed to "self-enforce".

     

    The last recession was a direct result of this.

     

     

     
  18. You have chosen to ignore posts from ronreganfan. Show ronreganfan's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to MattyScornD's comment:

    In response to ronreganfan's comment:

    Business has been regulated into inactionable positions by liberal nonsense bills like this.

     


    Because lots of businesses clearly can't be trusted to play by the rules and treat people fairly...

    ...especially those rules in which they're supposed to "self-enforce".

     

    The last recession was a direct result of this.

     

     



    Sure, keep justifying your never ending/creeping socialism as others can't seem to behave according to your socialist rules.

    The last ressession was a direct result of government policies (lend lend lend/borrrow borrow borrow), not business as an institution.

     
  19. This post has been removed.

     
  20. You have chosen to ignore posts from andiejen. Show andiejen's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    "... not business as an institution.".

    ?

     
  21. You have chosen to ignore posts from ronreganfan. Show ronreganfan's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to andiejen's comment:

    "... not business as an institution.".

    ?



    Well, how else to respond to someone who claims "business" caused the recession?

    It is like saying polar bears are melting ice.

     

    Here is what economists say about what casued the recession:

    http://www.nber.org/papers/w15404

     
  22. You have chosen to ignore posts from andiejen. Show andiejen's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to newman09's comment:

    In response to andiejen's comment:

     

    In response to newman09's comment:


    Ouch! A little personal there Andie don't you think?

     

     



    newman,

     

    This is the 2nd thread he did that today. 

    So yes it was personal on both sides.

    The 1st time I went through in a nice way the backgrounds of the 3 lawyers who regularly post here. WDYWN, Reuben and myself.

    None of us fit that bill. WDYWN did a whole post about lawyers.

    Every profession has its good and bad apples. 

    He will not even answer what he does to keep a roof over his head.

    That insult twice in one day was aimed at myself and WDYWN. For no reason.

    You know I have never taken a swipe at you. Ever. 

    If you said the same thing, I would politely address you because you are newman, Someone I have begun to have discussions with and respect the way you handle yourelf on this board.

    You have been respectful to me. I certainly have noticed and appreciate it. 

    In fact I love it when a poster who leans the other way starts to have discussions with me versus trying to score points.

    That is why I gave you this long explanation. I did not want to lose any respect I may have garnered with you. I hope it does not get ugly with him. 

    I will be in the hospital most of tomorrow then recovering for a day or two. 

    Maybe that small break will let things cool off.

    I hope you and I are okay newman.

    Andie




    Reading backwards I better understand why you stood your ground. Good luck with your recovery. No change here between us as far as I'm concerned.



    newman,

    I appreciate you took the time to read backwards so you could see what was going on and make your own evaluation based on the posts.

    Thank you so much for your good wishes.

    I am very glad we are where we were. Thank you for telling me. 

     

    Btw, for what it is worth, I like this "newman" avatar better then the one you have been using. Last one "newman" looked a tad smug, IMO. And yes, I know you do not look like that. You are probable 6 feet tall, full head of dark hear, dark eyes...eye candy for women. Maybe a George Clooney look alike (My movie crush.)

    I am a big fan of "Seinfeld". Was a point I believe I could pretty much do the dialogue of every episode. Just like, for me, the original 3 years of "Star Trek". Learned those as an adult. Only other Star Trek I really liked was the next one with Patrick Stewart. Liked the moral factor the most.

    Maybe you already know, but Kramer/Michael Richards is finally returning to TV. He is in a sitcom with Kirsties Alley and Rhea Perlman. 

    Kramer was not my favorite Seinfeld character but, I think Richards punished himself too much for the "racist" rant that drove him into seclusion all these years.

     
  23. You have chosen to ignore posts from andiejen. Show andiejen's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to ronreganfan's comment:

    In response to andiejen's comment:

    "... not business as an institution.".

    ?



    Well, how else to respond to someone who claims "business" caused the recession?

    It is like saying polar bears are melting ice.

     

    Here is what economists say about what casued the recession:

    http://www.nber.org/papers/w15404



    NATIONAL BUREAU OF ECONOMIC RESEARCH Thursday, December 19, 2013 HOME PAGE Causes of the Great Recession of 2007-9: The Financial Crisis is the Symptom not the Disease! Ravi JagannathanMudit KapoorErnst Schaumburg

    NBER Working Paper No. 15404
    Issued in October 2009
    NBER Program(s):   EFG 

    Globalization has made it possible for labor in developing countries to augment labor in the developed world, without having to relocate, in ways not thought possible only a few decades ago. We argue that this large increase in the developed world’s effective labor supply, triggered by geo-political events and technological innovations, coupled with the inability of existing institutions in the US and developing nations themselves to cope with this shock set the stage for the great recession. The financial crisis in the US was but the first acute symptom.

     

    download in pdf format
       (736 K)

    email paper

     

     

    This paper is available as PDF (736 K) or via email.

     

    This paper was revised on December 5, 2011

    Acknowledgments

     

     
  24. You have chosen to ignore posts from andiejen. Show andiejen's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    ronreaganfan,

    Went to your link. Posted what I found in above post.

    Will take some time to digest who these people are and the longer version of what they are saying.

     
  25. You have chosen to ignore posts from andiejen. Show andiejen's posts

    Re: Elizabeth Warren Introduces the Equal Employment for All Act

    In response to WhatDoYouWantNow's comment:

    I'd have gone with:

    http://1.bp.blogspot.com/-rlVffgkCcSs/T629MJazscI/AAAAAAAAFTo/We-tiCyvDLQ/s1600/newman_humanity.jpg

     

     

     

     

     

    But hey...



    I cannot place that photo with the Seinfeld episode.

    But...it certainly grabs your attention to say the least.

     
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