{"format":1,"id":"117-hr-5911","congress":117,"number":"H.R. 5911","kind":"bill","group":"bills","title":"Fair Hiring in Banking Act","title_source":"Short Title(s) as Passed House","official_title":"To amend the Federal Deposit Insurance Act and the Federal Credit Union Act to expand employment opportunities for those with a previous minor criminal offense, and for other purposes.","titles":[{"type":"Official Title as Introduced","title":"To amend the Federal Deposit Insurance Act and the Federal Credit Union Act to expand employment opportunities for those with a previous minor criminal offense, and for other purposes."},{"type":"Short Titles from RFS (Referred to Senate) bill text","title":"Fair Hiring in Banking Act"},{"type":"Display Title","title":"Fair Hiring in Banking Act"},{"type":"Short Title(s) as Passed House","title":"Fair Hiring in Banking Act"},{"type":"Short Title(s) as Reported to House","title":"Fair Hiring in Banking Act"},{"type":"Short Title(s) as Introduced","title":"Fair Hiring in Banking Act"}],"outcome":"passed_house","law_number":null,"introduced":"2021-11-09","chambers":{"house":{"status":"roll_call","date":"2022-05-11","vote":{"id":"117-2022-h156","question":"On Motion to Suspend the Rules and Pass, as Amended","title":"Fair Hiring in Banking Act","result":"Passed","yea":329,"nay":88,"present":0,"not_voting":11,"source":"https://clerk.house.gov/evs/2022/roll156.xml"}},"senate":{"status":"na","date":null,"vote":null}},"president":{"status":"na","date":null},"vice_president_tie_breaker":null,"latest_action":{"text":"Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.","date":"2022-05-12"},"nominees":null,"amendments":[],"other_votes":[],"crs_summary":{"date":"2022-05-11","stage":"Passed House","blocks":[{"k":"h","t":"Fair Hiring in Banking Act"},{"k":"p","t":"This bill creates exceptions to the restriction on hiring persons convicted of certain criminal offenses involving dishonesty or a breach of trust to a position with an insured depository institution or an insured credit union. Currently, a waiver must be obtained from the Federal Deposit Insurance Corporation or the National Credit Union Administration to allow the employment of such a person."},{"k":"p","t":"Specifically, a waiver is not needed if it has been 7 years or more since the offense occurred or if the individual was incarcerated with respect to the offense and it has been 5 years or more since the individual was released from incarceration. The need for a waiver also does not apply to conduct committed before age 21 and if it has been at least 30 months since the sentencing. Individuals with a criminal record that is expunged, sealed, or pardoned are also exempt from waiver requirements."}],"words":154},"summary":{"main_subject":{"text":"Creates exceptions to the restrictions on employing people with certain criminal offenses at insured depository institutions and insured credit unions, and sets procedures for applying for consent to employ them.","cites":[{"label":"Sec. 2","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh#H5A3EA1E0C5B94FF28AF2BF084C19FFD9"},{"label":"Sec. 3","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh#H0CBDDC54E68A4CADB40393DA5B07FE1A"}]},"core_areas":["Employment restrictions at FDIC-insured depository institutions after criminal offenses","Employment restrictions at NCUA-insured credit unions after criminal offenses","Consent application procedures at the FDIC and the NCUA Board"],"what_it_does":[{"text":"Provides that the Federal Deposit Insurance Act hiring restriction does not apply to an offense if 7 years or more have passed since it occurred, or 5 years or more have passed since the individual's release from incarceration for it.","cite":{"label":"Sec. 2","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh#H5A3EA1E0C5B94FF28AF2BF084C19FFD9"}},{"text":"Provides that the Federal Deposit Insurance Act restriction does not apply to an offense committed at age 21 or younger if more than 30 months have passed since sentencing, or to an offense covered by an order of expungement, sealing, or dismissal meeting the stated conditions.","cite":{"label":"Sec. 2","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh#H5A3EA1E0C5B94FF28AF2BF084C19FFD9"}},{"text":"Directs the Federal Deposit Insurance Corporation to exempt de minimis offenses by rule, and states that certain lesser offenses, including shoplifting and fare evasion, are exempt once 1 year or more has passed since the conviction or program entry.","cite":{"label":"Sec. 2","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh#H5A3EA1E0C5B94FF28AF2BF084C19FFD9"}},{"text":"Sets rules for consent applications to the Federal Deposit Insurance Corporation, including regional office review, national office review of denials on request, public forms, and an individualized assessment that takes evidence of rehabilitation into account.","cite":{"label":"Sec. 2","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh#H5A3EA1E0C5B94FF28AF2BF084C19FFD9"}},{"text":"Adds to the Federal Credit Union Act the same exceptions for older offenses, offenses at age 21 or younger, expunged or sealed offenses, and de minimis offenses, and the same consent application procedures, with the National Credit Union Administration Board in place of the Corporation.","cite":{"label":"Sec. 3","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh#H0CBDDC54E68A4CADB40393DA5B07FE1A"}},{"text":"Requires the Federal Deposit Insurance Corporation and the National Credit Union Administration, within 2 years of enactment, to review application numbers and approval and denial rates, make the results public, and report recommendations to Congress.","cite":{"label":"Sec. 4","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh#HC292B51ACE0E40B8A8A9EDBAB12F0B65"}}],"unexpected":[{"category":"off_subject","items":[{"cite":{"label":"Sec. 5","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh#H6C306B186F79433B89AD5E5111F9C1D7"},"heading":"Determination of budgetary effects","effect":"Sets the budgetary effects of the Act for Statutory Pay-As-You-Go Act of 2010 purposes by reference to a statement printed in the Congressional Record by the House Budget Committee Chairman.","amount":null,"quote":"shall be determined by reference to the latest statement titled “Budgetary Effects of PAYGO Legislation” for this Act, submitted for printing in the Congressional Record"}]}],"version":{"type":"Engrossed in House","date":"2022-05-11","rule":"passed","href":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text/eh"},"current":true,"model":"claude-sonnet-5-5","approved":"2026-10-15","approved_by":"checks"},"sources":{"congress_gov":"https://www.congress.gov/bill/117th-congress/house-bill/5911","text":"https://www.congress.gov/bill/117th-congress/house-bill/5911/text"},"card":{"image":"card/item/117-hr-5911.png","v":"7c53c9f517af","alt":"Votes on Record. H.R. 5911, 117th Congress: Fair Hiring in Banking Act. House: 329 Yea, 88 Nay. Outcome: Passed House, 11 May 2022."}}