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

HB 1228 prohibits banks, credit unions, and other businesses in Oklahoma from discriminating against customers based on personal beliefs or activities like political views, social media posts, union membership, or environmental/social goals. It allows businesses to use such criteria only if fully disclosed to customers before transactions, with exceptions for physical safety concerns. Violations carry civil penalties of $50,000 for a first offense and $250,000 for repeat violations. The law applies broadly to all business entities, including corporations and credit unions, and is effective immediately under an emergency clause.