ND HB1283

Creates new chapter in North Dakota Century Code establishing fair access standards for financial institutions including banks, credit unions, insurance companies, and mortgage providers.

Prohibits financial institutions from denying financial products or services except when justified by documented failure to meet quantitative, impartial, risk-based standards established in advance.

Requires financial institutions using environmental, social, governance, diversity, equity, inclusion, or political criteria to disclose these standards to the commissioner of financial institutions and to any denied applicants.

Mandates the commissioner of financial institutions publish a public list of institutions adopting nonfinancial, nontraditional, or subjective measures for determining access.

Establishes civil enforcement through the department of financial institutions and makes violations a class B misdemeanor for the fifth or subsequent offense.