A new study from Robert Clifford, an economist at the Boston Fed, and Daniel Shoag, an assistant professor at Harvard’s Kennedy School, “finds that when employers are prohibited from looking into people’s financial history, something perverse happens: African-Americans become more likely to be unemployed relative to others.”  Shoag, Daniel and Clifford, Robert, No More Credit Score: Employer Credit Check Bans and Signal Substitution (February 15, 2016). HKS Working Paper No. RWP16-008. Available at SSRN: http://ssrn.com/abstract=2746642