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This ordinance prohibits employers from discriminating against employees and job applicants on the basis of their consumer credit history.
This ordinance requires registration for each physically separate credit access business to be obtained annually through application to a designated director and requires the certificate of registration to be conspicuously displayed to the public in the business. This ordinance requires credit access businesses to maintain a complete set of records for each extension of credit. This ordinance requires credit access businesses to obtain proof of income from customers. This ordinance prohibits a credit access business from extending credit to a customer from exceeding 20 percent of a customer\'s gross monthly income and prohibits a consumer credit business from extending credit in the form of a vehicle title loan in an amount that exceeds three percent of the customers gross annual income or 70 percent of the motor vehicle\'s retail value. This ordinance prohibits a credit access business from extending credit to be repaid in more than four installments and requires each installment to repay at least 25% of the principal debt. This ordinance prohibits credit access businesses from refinancing a single lump sum repayment more than three times. The ordinance establishes a $500 penalty for violations of this ordinance.