Fair Access to Financial Services.

HB 919 prohibits banks and other financial institutions from denying services or discriminating based on protected characteristics like political views, religious beliefs (unless for religious purposes), or social credit scores tied to lawful activities (e.g., firearm ownership, energy use, or environmental compliance). It bans using subjective criteria without full disclosure to customers and requires annual compliance reports under penalty of perjury. Financial institutions must also avoid discriminatory pricing based on environmental, social, or governance factors unless justified by actuarial standards. Individuals harmed by violations can pursue legal action for damages or injunctions.