TX HB4333

Prohibits large financial institutions (banks with over $100 billion in assets or payment processors handling over $100 billion annually) from using "social credit scores" to deny, restrict, or terminate financial services to customers

Defines "social credit score" as evaluations based on protected religious exercise, speech, political activity, refusal to adopt greenhouse gas emission targets, refusal to conduct diversity audits, refusal to facilitate abortions or gender transitions, or business dealings with firearms or fossil fuel industries

Requires financial institutions to provide a detailed written explanation within 14 days when a customer requests reasons for service denial, restriction, or termination, including specific terms of service violations cited

Creates enforcement through the Texas Deceptive Trade Practices Act, allowing the Attorney General to investigate and bring civil actions against violating institutions

Establishes a private right of action for harmed individuals to recover actual damages or $10,000 per violation (whichever is greater), with up to triple damages for willful violations, plus attorneys' fees and injunctive relief