business; discrimination prohibition; social criteria

SB 1094 prohibits Arizona financial institutions, insurers, and credit reporting agencies from discriminating against consumers based on political affiliation or "social credit," environmental, social justice, or governmental scores. The bill requires these entities to fully disclose any subjective standards used in services before contracts are signed, while allowing refusal of service only for physical safety reasons. It directly affects consumers interacting with banks, insurance providers, and credit agencies in Arizona. The legislature states such discrimination threatens democratic foundations and public welfare, though the bill does not define or regulate the specific "scores" it references.