On April 12, Maryland Governor O’Malley signed into law bills prohibiting employer use of credit report data, becoming the fifth state to enact such limitations. The Maryland law, effective October 1, 2011, prohibits employers from using credit report data to deny employment, discharge a worker or set compensation, terms, conditions or privileges of employment, unless, after making an employment offer to an individual, the employer has a use for the credit report data that is substantially job-related. In such instances, the employer must provide written notice of its use of credit report data to the employee or applicant. The Maryland law exempts certain employers, including financial institutions. In addition to Maryland, Hawaii, Illinois, Oregon, and Washington also have recently enacted similar legislation.