AZ SB1337

Prohibits financial institutions with over $100 billion in assets or payment processors that processed over $10 billion in transactions from discriminating in providing financial services based on "social credit scores."

Defines "social credit score" to include evaluations based on protected religious exercise, first amendment speech, greenhouse gas emission policies, diversity/racial audits, abortion or gender reassignment services, and participation in fossil fuel or firearms industries.

Requires financial institutions to provide customers with detailed written explanations within 14 days if service is restricted, terminated, or refused, including the specific conduct or speech that prompted the action and relevant terms of service provisions.

Establishes violations as unlawful practices under Arizona consumer protection law, authorizable for investigation by the attorney general and private civil actions by harmed individuals.

Exempts financial institutions from the prohibition if they evaluate business activities based on impartial, financial-risk-based standards that are established in advance and publicly disclosed.