Amends TCA Title 9, Chapter 4 and Title 45.

This bill requires a state or national bank, a savings and loan association, savings bank, credit union, industrial loan and thrift company, or mortgage lender ("financial institution") to make determinations about the provision or denial of services based on an analysis of risk factors unique to each current or prospective customer, and prohibits a financial institution from engaging in a practice as described below. However, this provision does not restrict a financial institution that claims a religious purpose from making such determinations based on the current or prospective customer's religious beliefs, religious exercise, or religious affiliations. This bill prohibits a financial institution from denying or canceling its services to a person, or otherwise discriminating against a person in making available such services or in the terms or conditions of such services, on the basis of the following: (1) The person's political opinions, speech, or affiliations; (2) Except as provided above, the person's religious beliefs, religious exercise, or religious affiliations; (3) Any factor if it is not a quantitative, impartial, and risk-based standard, including any such factor related to the person's business sector; or (4) The use of any rating, scoring, analysis, tabulation, or action that considers a social credit score based on factors, such as the following: (A) The person's political opinions, speech, or affiliations; (B) Except as provided above, the person's religious beliefs, religious exercise, or religious affiliations; (C) The person's lawful ownership of a firearm; (D) The person's engagement in the lawful manufacture, distribution, sale, purchase, or use of firearms or ammunition; (E) The person's engagement in the exploration, production, utilization, transportation, sale, or manufacture of fossil fuel-based energy, timber, mining, or agriculture; (F) The person's support of the state or federal government in combating illegal immigration, drug trafficking, or human trafficking; (G) The person's engagement with, facilitation of, employment by, support of, business relationship with, representation of, or advocacy for any person described in this subsection; or (H) The person's failure to meet or commit to meet, or expected failure to meet, environmental standards; social governance standards, benchmarks, or requirements; corporate board or company employment composition standards, benchmarks, requirements, or disclosures based on characteristics protected under state human rights law; or policies or procedures requiring or encouraging employee participation in social justice programming, including diversity, equity, or inclusion training, as long as such person is in compliance with applicable state or federal law.