The Consumer Credit Protection Act prohibits employees from being terminated for garnishments for any one indebtedness. Although two or more do allow an employer to terminate, care should be exercised to prevent disparate impact if the employees being terminated are mostly women and minorities. 

Penalties for non-compliance: fine of up to $1,000, 1 year imprisonment or both.

Employers who have a business need to evaluate and monitor employee credit problems, and who use credit reports to do so, should also be aware of the Fair Credit Reporting Act. The FCRA requires employers who deny employment on the basis of a credit report to so notify the applicant and to provide the name and address of the consumer reporting agency used. Penalties for non-compliance: actual damages, punitive damages, attorneys' fees.