Enacts new GS 95-28.1B to make it unlawful for any employer to refuse to hire or to bar or discharge from employment, or otherwise discriminate against an individual in compensation or the terms, conditions, and privileges of employment because of the individual's credit history or credit reports, unless the information in the individual's credit history or report directly relates to a occupational occupation. Allows inquiry into and consideration of the credit history or report only after a conditional offer of employment. Provides exemptions from the statute. Makes conforming changes to GS 95-241. Applies to employers, employees, and prospective employees on and after July 1, 2013.