NC H919

Prohibits banks, savings associations, savings banks, and credit unions from denying or canceling services based on a customer's political opinions, religious beliefs, lawful firearm ownership, involvement in fossil fuel/timber/mining/agriculture industries, or support for government efforts against illegal immigration and trafficking

Bans financial institutions from using "social credit scores" that consider a person's failure to meet environmental standards, social governance benchmarks, or corporate diversity requirements, as long as the person complies with state and federal law

Requires banks using subjective standards to fully disclose and explain those standards before entering contracts, with customers signing acknowledgment, and mandates annual compliance attestation under penalty of perjury by January 1 each year

Creates a private right of action allowing aggrieved persons to sue for damages or injunctive relief, with violations classified as unfair or deceptive trade practices under G.S. 75-1.1

Adds insurance industry prohibition against refusing coverage or charging different rates based solely on ESG criteria, diversity/equity/inclusion policies, or political factors, unless based on sound actuarial principles related to actual loss experience