ID H0669

Establishes the "Equality in Financial Services Act" prohibiting large financial institutions (banks with over $100 billion in assets or payment processors handling over $100 billion in annual transactions) from discriminating based on "social credit scores."

Defines "social credit score" to include evaluations of protected religious exercise, speech, political activity, greenhouse gas emission targets, diversity/racial audits, abortion/gender reassignment facilitation, and participation in fossil fuel or firearms industries (with exceptions for impartial financial-risk-based standards).

Requires financial institutions to provide customers with detailed written explanations within 14 days when refusing, restricting, or terminating services, including the specific basis for denial and relevant terms of service provisions.

Prohibits agreements, conspiracies, or coordination between persons to engage in discrimination under this chapter.

Makes violations enforceable as violations of the Idaho Consumer Protection Act, allowing the attorney general to investigate and individuals to bring civil actions for remedies under that act; applies rules to national banks and becomes effective July 1, 2024.