AZ SB1167

Prohibits financial institutions with assets over $100 billion or payment processors that processed over $100 billion in transactions from discriminating by using "social credit scores" to deny, restrict, or terminate financial services.

Requires financial institutions to provide written statements within 14 days explaining specific reasons for service denial or termination, including details about the customer's speech, religious exercise, business activities, or other conduct cited as basis for the decision.

Authorizes the Attorney General to investigate violations and allows harmed individuals to sue for actual damages or $10,000 per violation (whichever is greater), with damages up to 3 times actual damages or $30,000 for willful violations, plus attorney fees.

Defines "social credit score" to include evaluations based on religion, speech, greenhouse gas emissions compliance, diversity audits, abortion or gender reassignment services, or participation in lawful business categories like firearms or energy companies.

Exempts financial institutions' evaluations of quantifiable financial risks based on impartial, risk-based standards that are established in advance and publicly disclosed.