Financial institutions; prohibiting disclosure of information including firearm purchases; providing exceptions. Effective date.

SB 824 prohibits financial institutions in Oklahoma from disclosing customer data that identifies firearm purchases, protecting individuals who lawfully buy firearms or ammunition. It blocks institutions from sharing "protected financial information" (like transaction details linked to firearm codes) without explicit written customer consent, except for valid warrants in criminal investigations, subpoenas (with customer notice), or when customers authorize disclosure. The bill also bans using firearm codes to discriminate, such as denying payments, charging higher fees, or restricting business with firearm retailers. This directly affects customers making firearm purchases, financial institutions processing payments, and merchants selling firearms.