The civic record
Read. Follow. Verify.Oklahoma House Bill 1228 prohibits financial institutions and businesses from discriminating against customers based on political affiliation or social credit scores
Last action · February 4, 2025: Second Reading referred to Rules
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What This Bill Proposed
House Bill 1228 prohibits banks, trust companies, credit unions, and general business entities in Oklahoma from discriminating against customers based on subjective criteria such as political affiliation, social media posts, or scores. The measure imposes civil penalties of $50,000 for a first violation and $250,000 for subsequent violations, and declares an emergency for immediate implementation upon passage and approval.
Banks, credit unions, and business entities face civil penalties starting at $50,000 if they deny services to customers based on political views, s, or union membership, though they retain the right to refuse service for employee safety or after full disclosure.
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
banks
Banks and trust companies are prohibited from using subjective standards like political affiliation or ESG criteria to discriminate against customers, under threat of civil penalties.
credit unions
Credit unions are barred from denying services based on social credit scores, political beliefs, or social media posts, and face monetary fines for noncompliance.
business entities
All business entities operating in the state must cease discriminating against customers based on values-based criteria unless fully disclosed beforehand.
customers
Customers are protected from adverse treatment or denial of business services by financial and commercial institutions based on their political views, employment, or affiliations.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Can a bank still refuse service to someone if there is a safety concern?
What are the financial penalties for violating these anti-discrimination rules?
Are businesses allowed to use subjective standards if they inform the customer first?
What else do you want to know?
News Coverage
Follow the record
Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
3 actions- Feb 4, 2025HouseCommitteeSecond Reading referred to Rules
- Feb 3, 2025HouseAuthored by Representative West (Kevin)
- Feb 3, 2025HouseIntroducedFirst Reading
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Extension of Anti-Discrimination Mandates to Commercial Entities
The bill expands traditional banking consumer protections into general business operations, restricting the use of social credit and ESG criteria across corporations, partnerships, and sole proprietorships.
Connected Entities
Sources
www.oklegislature.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 75)
- Controversy80Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz65Current news / social attention level
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