Amends TCA Title 4; Title 9; Title 45; Title 47 and Title 56.

Tennessee HB0316 amends existing laws regarding the operations of financial institutions by prohibiting them from denying or restricting services based on various non-quantitative factors, including political opinions and religious beliefs, while also expanding the definition of "financial institution" to include those with over $50 billion in assets, down from $100 billion. The bill requires financial institutions to provide detailed explanations for service denials within a specified timeframe and establishes that violations constitute unfair practices under the Tennessee Consumer Protection Act. This legislation affects financial institutions operating in Tennessee and their interactions with customers.