AR SB315

Prohibits financial institutions with over $100 billion in assets from discriminating against agriculture producers based on greenhouse gas emissions, use of fossil-fuel derived fertilizer, or use of fossil-fuel powered machinery

Creates a rebuttable presumption that financial institutions with environmental, social, and governance (ESG) commitments have violated the law if they deny or restrict services to agriculture producers

Allows financial institutions to overcome the presumption only by demonstrating through clear and convincing evidence that decisions were based solely on ordinary business purposes unrelated to ESG goals

Authorizes the Secretary of the Department of Agriculture to investigate violations, conduct hearings, and assess civil penalties of up to $10,000 per violation

Designates violations as breaches of both the Arkansas Civil Rights Act of 1993 and the Deceptive Trade Practices Act, with enforcement coordinated between the Attorney General and Department of Agriculture