GA SB57

Prohibits financial institutions (banks/credit unions with over $1 billion in assets, payment processors handling over $1 billion annually) and utility providers from discriminating against customers based on their exercise of constitutional rights or "social credit scores"

Defines "social credit score" to include evaluations based on speech, religious exercise, firearm ownership, refusal to adopt ESG/DEI policies, refusal to facilitate abortions or gender reassignment services, and participation in lawful industries like firearms, oil, and natural gas

Covers essential services including banking, payment processing, electric, water/sewer, natural gas, and broadband services

Allows private lawsuits with damages of $50,000 or actual damages (whichever is greater) per violation, increasing to $150,000 or triple damages for willful violations, plus attorney's fees

Exempts financial risk assessments based on impartial, publicly disclosed standards established in advance by the institution