OK SB1515

Prohibits 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, protected speech, political activities, refusal to adopt greenhouse gas targets, or involvement in firearms, fossil fuel, or agriculture industries

Requires financial institutions to provide customers with a detailed written statement of specific reasons within 14 days if they refuse, restrict, or terminate service, including citations to terms of service provisions relied upon

Creates private right of action allowing harmed individuals to sue for actual damages or $10,000 per violation (whichever is greater), with treble damages up to $30,000 for willful violations, plus attorney fees and court costs

Authorizes the Attorney General to investigate and bring civil enforcement actions under the Oklahoma Consumer Protection Act, with violations constituting unlawful consumer practices

Effective date of November 1, 2026