ID S1027

Prohibits large financial institutions (banks with over $100 billion in assets or payment processors handling over $100 billion annually) from discriminating against customers based on "social credit scores" that evaluate religious exercise, political speech, refusal to adopt ESG-related policies, or participation in fossil fuel or firearms industries

Requires covered financial institutions to provide customers with a detailed written explanation within 14 days upon request when service is refused, restricted, or terminated, including the specific basis for the decision and relevant terms of service provisions

Defines protected activities to include refusal to adopt greenhouse gas emission targets, refusal to conduct diversity audits or provide race/gender-based quotas, and refusal to facilitate employee abortions or gender reassignment services

Authorizes enforcement through the Idaho Consumer Protection Act, allowing both Attorney General investigations and private civil actions by harmed individuals seeking remedies

Takes effect July 1, 2025, and applies to both state-chartered and national banks operating in Idaho