Social credit scores-use prohibited.

Wyoming's SF 108 prohibits financial institutions from discriminating against customers based on social credit scores, environmental/social justice metrics, social media activity, political affiliation, union membership, or employer-related factors. The law defines a "social credit score" as a metric based on personal behavior, technology use, and lifestyle choices, and declares its use a deceptive trade practice. Financial institutions may still apply subjective criteria if they fully disclose and explain them in writing before contracts are signed. This law directly affects banks, credit unions, and lenders operating in Wyoming, effective July 1, 2022. It aims to prevent consumer discrimination tied to non-financial personal data.