prohibiting denial of banking and insurance services based on any factor that is not quantitative, impartial, and risk-based as measured by an objective standard.

HB 359 requires banks, credit unions, and insurers to base service decisions on objective, risk-based analysis rather than non-quantitative factors. It prohibits denying or canceling services due to a person's political views, religious beliefs (except for religious institutions), firearm ownership, environmental or social policy choices, or participation in diversity initiatives. The bill specifically bans the use of "social credit scores" that consider factors like support for environmental standards, gun ownership, or engagement in social justice programming. Financial institutions must use measurable risk data, with limited religious exemptions, and violations are treated as unfair business practices subject to penalties.