TX SB2492

Prohibits financial service providers with at least $100 billion in transactions annually from using "social credit scores" to deny, terminate, or restrict financial services to customers in Texas

Defines "social credit score" as any rating or analysis evaluating a customer's religious beliefs, political opinions, speech, associations, affiliations, or related activities, including refusal to disclose such activities

Applies to financial institutions, payment processors, credit card issuers and networks, payment gateways, and their affiliates or subsidiaries operating in Texas

Requires providers to give customers a written statement of explanation within 14 days of request if service is denied, including detailed reasons, applicable terms of service, and specific provisions cited for the denial

Classifies violations as deceptive trade practices under Texas law, making them actionable under the Texas Deceptive Trade Practices Act (Chapter 17, Subchapter E)