The Equal Employment for All Act of 2023 would prohibit employers from using credit checks and credit-related information when making employment decisions or taking adverse actions against workers. The bill applies to both prospective and current employees and bans the practice even if workers consent to the credit check. The legislation includes two narrow exceptions: employers may still use credit reports for positions requiring national security clearance or when otherwise required by law. The bill modifies the Fair Credit Reporting Act, which currently allows credit checks for employment purposes, and ensures that employers cannot penalize workers for refusing to authorize credit checks.