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SB 1094

REVENUE-TECH

104th Regular Session Introduced by John Curran

Summary — SB 1094 (Senate Engrossed) — Business practices; discrimination prohibition; social criteriaNote: The provided document aggregates text from multiple jurisdictions and di

Rule 3-9(a) / Re-referred to Assignments
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Bill Summary · SB 1094

Summary — SB 1094 (Senate Engrossed) — Business practices; discrimination prohibition; social criteria

Note: The provided document aggregates text from multiple jurisdictions and different bills labeled “SB 1094.” This summary focuses on the Arizona Senate Engrossed version (Fifty‑seventh Legislature, 2025) that is titled and described as a business/discrimination measure. Where the legislative history appears mixed or from other jurisdictions, that is noted below.

Purpose

The bill prohibits certain businesses from discriminating against persons or entities on the basis of political affiliation or on the basis of various “values‑based” scores (described in the bill as social credit, environmental, social justice, governmental score, or similar impact criteria). The Legislature declares such discriminatory practices to be a matter of statewide concern.

Key provisions

  • Adds three new statute sections:
    • Arizona Revised Statutes §6‑194 (Title 6 — financial institutions)
    • Arizona Revised Statutes §20‑123 (Title 20 — insurers)
    • Arizona Revised Statutes §44‑1698.03 (Title 44 — credit reporting agencies)
  • Prohibitions: A financial institution, insurer, or credit reporting agency doing business in the state — directly or through a contractor — may not discriminate against any person based on:
    1. Political affiliation; or
    2. “Social credit, environmental, social justice or governmental score or similar values‑based or impact criteria.”
  • Disclosure carve‑out (financial institutions only, explicitly): Institutions may offer investments, products, or services that include subjective standards provided those standards are fully disclosed and explained to the potential customer or investor before entering into a contract.
  • Safety exception: The provisions do not prevent a covered entity from refusing or discontinuing business when necessary for the physical safety of the entity’s employees.
  • Legislative finding: Declares that using such scores to discriminate is a statewide concern that threatens rights and public welfare.

Who would be affected

  • Primary covered entities: state‑licensed financial institutions, insurers, and credit reporting agencies — including their contractors — that conduct business in Arizona.
  • Indirectly affected: consumers, borrowers, insurance applicants/insureds, investors, and third‑party vendors that provide ESG/social score services or screening tools.

Procedural / timeline notes

  • Introduced: February 4, 2025 (Senator Hoffman; Representative Keshel listed on introduced version).
  • Document status shown as “Senate Engrossed,” with procedural entry “Rule 3‑9(a) / Re‑referred to Assignments” (dated 2025‑06‑02 in the provided log).
  • The compiled legislative actions in the supplied document appear to mix records from multiple bills and jurisdictions (including unrelated SB 1094 items). Confirm current status with the official Arizona legislative website for up‑to‑date action and final disposition.

Potential impacts and considerations

  • Businesses using ESG, environmental, social justice, political‑affiliation, or “social credit” data for customer selection, underwriting, pricing, or marketing would need to review and likely revise policies and vendor relationships to ensure compliance.
  • The statutory language is broad (e.g., “social credit,” “governmental score”), which may create interpretive and enforcement questions and prompt regulatory guidance or litigation to define scope and permitted practices.
  • The disclosure carve‑out for “subjective standards” is narrow (appears only in the financial institution section) and may limit flexibility for insurers and credit agencies compared with banks and investment firms.

For the latest, authoritative text and status, consult the Arizona Legislature’s official bill page for SB 1094.

Compiled from official sources — confirm details with the bill’s official record.

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