Your advertisement for cashiers nets 100 applications. You want credit reports on each applicant. You plan to eliminate those with poor credit histories. What are your obligations?
You are considering a number of your long-term employees for major promotions. Can you check their credit reports to ensure that only financially responsible individuals are considered?
Most of us can vividly recall the popular television advertising campaign in which the individual proudly proclaims to not only be the organization's president, but also one of its clients. Such "endorsements" are not only memorable, they can also be highly effective.
About Personnel Files - While no law specifically requires you to maintain personnel files for your employees, they're a good way of keeping track of the employee information you are required to retain (except for confidential information, such as medical records, of course).