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Read. Follow. Verify.North Carolina Prohibits Banks and Insurers from Denying Services Based on Political or Social Criteria
Last action · April 14, 2025: Ref To Com On Rules, Calendar, and Operations of the House (House action)Sponsors: Paul Scott and 7 others
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What This Bill Would Do
North Carolina House Bill 919 prohibits banks, savings associations, savings banks, credit unions, and insurance companies from denying services, canceling accounts, or charging different rates based on a person's political opinions, religious beliefs, or s. The measure requires institutions using subjective standards to fully disclose them in advance with a signed attestation, mandates an annual compliance report under penalty of perjury, and establishes a private right of action under unfair trade practices law.
Financial institutions and insurers face new legal liability and reporting requirements when evaluating customers or setting rates, while consumers gain the ability to sue for damages if denied services based on ideological, religious, or firearm-related factors.
- North Carolina regulates state-chartered banks, savings banks, credit unions, and insurance companies through specialized state commissions and statutory chapters. context
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Banks and Financial Institutions
Financial institutions must alter their account evaluation criteria, disclose subjective standards, submit annual compliance reports under penalty of perjury, and face potential private lawsuits for discrimination.
Consumers and Business Owners
Customers gain statutory protections against account cancellations or denials based on political, religious, or social criteria, along with a private right of action for damages.
Insurance Companies
Insurers are prohibited from altering rates or refusing coverage based on environmental, social, and governance criteria or political factors without actuarial justification.
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
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News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
3 actions- Apr 14, 2025HouseRef To Com On Rules, Calendar, and Operations of the House
- Apr 14, 2025HousePassed 1st Reading
- Apr 10, 2025HouseIntroducedFiled
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.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Expansion of Banking Anti-Discrimination Standards to Insurance and Credit Unions
The legislation systematically extends its new anti-discrimination and reporting requirements across multiple financial sectors, including commercial banks, savings associations, credit unions, and insurance companies.
Connected Entities
Sources
www.ncleg.gov
Analysis Score
0–100- Significance80How much this matters to a regular citizen
- Controversy85Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz50Current news / social attention level
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