SC H4466

Prohibits financial institutions (banks, credit unions, mortgage lenders, savings and loan associations) from denying or discriminating in services based on a person's political opinions, speech, affiliations, or religious beliefs

Prohibits insurers from denying coverage or discriminating against customers based on political views, religious beliefs, lawful firearm ownership, or involvement in industries like fossil fuels, timber, mining, and agriculture

Bans the use of "social credit scores" that consider factors such as environmental standards compliance, ESG (environmental, social, governance) metrics, diversity/equity/inclusion policies, or support for immigration enforcement

Requires both financial institutions and insurers to base service decisions only on quantitative, impartial, risk-based standards unique to each customer

Violations constitute unfair or deceptive trade practices under South Carolina's Consumer Protection Code, subjecting violators to associated penalties and remedies