Unfair business practices; banks; trust companies; credit unions; businesses entities; civil penalties; emergency.

HB 1228 prohibits banks, credit unions, and all business entities in Oklahoma from discriminating against customers based on specific criteria like political affiliation, social media activity, social credit scores, or environmental/social values in their business practices. It allows businesses to use such criteria if fully disclosed to customers before transactions, while still permitting refusal of service for physical safety reasons. Violations carry civil penalties of $50,000 for a first offense and $250,000 for repeat offenses, enforced by the Attorney General. The bill directly affects customers interacting with financial institutions and businesses across Oklahoma, aiming to prevent biased treatment in commercial relationships.