Compare IA HF 2409 (2024) and IA HF 594 (2025)
The introduced text of these two bills, side by side, with the wording they share.
- IA HF 2409 (2024) · Iowa · 2024 · Failed
- IA HF 594 (2025) · Iowa · 2025 · Failed
1,460 shared 8-word phrases found in the introduced text of these two bills.
This highlights wording the two bills share in their introduced text. A shared passage may include text that both bills quote from the same existing law, not only language either one drafted. A match shows that the texts overlap; it does not show who drafted a bill, and filing order alone does not show which bill copied which.
| IA HF 2409 (2024) | IA HF 594 (2025) |
|---|---|
| House File 2409 - Introduced HOUSE FILE 2409 BY THOMSON A BILL FOR An Act relating to discrimination in the provision of financial 1 services, and providing civil penalties. 2 BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF IOWA: 3 TLSB 5652YH (2) 90 nls/ko H.F. 2409 Section 1. NEW SECTION . 529A.1 Definitions. 1 For purposes of this chapter, unless the context otherwise 2 requires: 3 1. “Discriminate” or “discrimination” means a financial 4 institution’s use of a social credit score to directly or 5 indirectly decline to provide the full and equal enjoyment 6 of financial services to a person, and includes refusing to 7 provide, terminating, or restricting financial services to a 8 p… | House File 594 - Introduced HOUSE FILE 594 BY THOMSON A BILL FOR An Act relating to discrimination in the provision of financial 1 services, and providing civil penalties. 2 BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF IOWA: 3 TLSB 2343HH (3) 91 nls/ko H.F. 594 Section 1. NEW SECTION . 529A.1 Definitions. 1 For purposes of this chapter, unless the context otherwise 2 requires: 3 1. “Discriminate” or “discrimination” means a financial 4 institution’s use of a social credit score to directly or 5 indirectly decline to provide the full and equal enjoyment 6 of financial services to a person, and includes refusing to 7 provide, terminating, or restricting financial services to a 8 pers… |
| b. “Social credit score” shall not include a financial 24 institution’s evaluation of a person’s quantifiable financial 25 risks based on impartial, financial-risk-based standards if 26 such standards are established in advance by the financial 27 institution and publicly disclosed to customers and potential 28 customers. 29 Sec. 2. NEW SECTION . 529A.2 Discrimination prohibited. 30 1. A financial institution shall not discriminate in the 31 provision of financial services to a person or agree, conspire, 32 or coordinate, directly or indirectly, including through an | b. “Social credit score” shall not include a financial 26 institution’s evaluation of a person’s quantifiable financial 27 risks based on impartial, financial-risk-based standards if 28 such standards are established in advance by the financial 29 institution and publicly disclosed to customers and potential 30 customers. 31 Sec. 2. NEW SECTION . 529A.2 Discrimination prohibited. 32 1. A financial institution shall not discriminate in the 33 provision of financial services to a person or agree, conspire, 34 or coordinate, directly or indirectly, including through an |
| intermediary or third party, with another person, or group of 34 persons, to discriminate in the provision of financial services | intermediary or third party, with another person, or group of 1 persons, to discriminate in the provision of financial services |
| to a person. 1 2. If a financial institution refuses to provide, 2 restricts, or terminates financial services to a person, within 3 ninety days of the refusal, restriction, or termination, the 4 person may request a written statement that specifies the 5 reason for the financial institution’s refusal to provide, or 6 restriction or termination of, the person’s financial services. 7 a. The person may request the statement from a customer 8 service or designated account representative of the financial 9 institution by phone, mail, or electronic mail. The person 10 shall provide the financial institution with a mailing address 11 and an electronic mail address where the statement can be sent.… | to a person. 3 2. If a financial institution refuses to provide, 4 restricts, or terminates financial services to a person, within 5 ninety days of the refusal, restriction, or termination, the 6 person may request a written statement that specifies the 7 reason for the financial institution’s refusal to provide, or 8 restriction or termination of, the person’s financial services. 9 a. The person may request the statement from a customer 10 service or designated account representative of the financial 11 institution by phone, mail, or electronic mail. The person 12 shall provide the financial institution with a mailing address 13 and an electronic mail address where the statement can be sen… |
| attorney general may bring a civil action to enforce the 34 provisions of this chapter. Upon finding that a financial | attorney general may bring a civil action to enforce the 1 provisions of this chapter. Upon finding that a financial |
| institution violated this chapter, a court may order any of the 1 following: 2 a. Injunctive relief as necessary to enforce compliance with 3 this chapter. 4 b. Other remedies permitted under the law. 5 c. Damages, restitution, or other compensation on behalf of 6 residents of the state, not to exceed the amount provided by 7 subsection 2, paragraph “a” . 8 2. A person harmed by a violation of this chapter by a 9 financial institution may bring a civil action, and upon 10 finding that a financial institution violated this chapter, a 11 court may order any of the following: 12 a. Actual damages not to exceed ten thousand dollars, 13 except if the court finds that the violation by the financi… | institution violated this chapter, a court may order any of the 3 following: 4 a. Injunctive relief as necessary to enforce compliance with 5 this chapter. 6 b. Other remedies permitted under the law. 7 c. Damages, restitution, or other compensation on behalf of 8 residents of the state, not to exceed the amount provided by 9 subsection 2, paragraph “a” . 10 2. A person harmed by a violation of this chapter by a 11 financial institution may bring a civil action, and upon 12 finding that a financial institution violated this chapter, a 13 court may order any of the following: 14 a. Actual damages not to exceed ten thousand dollars, 15 except if the court finds that the violation by the finan… |
| person. “Social credit score” is defined by the bill as an 34 analysis, rating, scoring, list, or tabulation that evaluates | person. “Social credit score” is defined by the bill as an 1 analysis, rating, scoring, list, or tabulation that evaluates |
| a person’s protected speech, religious exercise, association, 1 expression, or conduct; a person’s failure or refusal to adopt 2 targets or disclosures related to greenhouse gas emissions 3 beyond state and federal law requirements; a person’s failure 4 or refusal to conduct a racial, diversity, or gender audit 5 or disclosure; a person’s failure or refusal to facilitate 6 or assist an employee in obtaining an abortion or gender 7 reassignment services; or a person's participation in business 8 activities related to a manufacturer or dealer of firearms 9 and ammunition or business activities with an oil or gas 10 company | a person’s protected speech, religious exercise, association, 3 expression, or conduct; a person’s failure or refusal to adopt 4 targets or disclosures related to greenhouse gas emissions 5 beyond state and federal law requirements; a person’s failure 6 or refusal to conduct a racial, diversity, or gender audit 7 or disclosure; a person’s failure or refusal to facilitate 8 or assist an employee in obtaining an abortion or gender 9 reassignment services; a person’s participation in business 10 activities related to a manufacturer or dealer of firearms and 11 ammunition or business activities with an oil or gas company |
| Financial institution” and “financial service” are 11 also defined by the bill. The bill permits a person to whom a 12 financial institution has refused to provide, restricted, or 13 terminated financial services to request a written statement 14 within 90 days of such action specifying the reason for the 15 refusal, restriction, or termination. A person can request 16 the statement from a customer service or designated account 17 representative of the financial institution, and the person 18 shall provide the financial institution with a mailing address 19 and an electronic mail address where the statement can be 20 sent. The financial institution shall transmit the statement 21 within 14… | Financial institution” and “financial 14 service” are also defined by the bill. The bill permits a 15 person to whom a financial institution has refused to provide, 16 restricted, or terminated financial services to request a 17 written statement within 90 days of such action specifying 18 the reason for the refusal, restriction, or termination. A 19 person can request the statement from a customer service or 20 designated account representative of the financial institution, 21 and the person shall provide the financial institution with 22 a mailing address and an electronic mail address where the 23 statement can be sent. The financial institution shall 24 transmit the statement within 14… |
| provisions of the bill and, upon finding that a financial 33 institution violated the bill, a court may order injunctive 34 relief, damages, restitution, other compensation, or other | provisions of the bill and, upon finding that a financial 1 institution violated the bill, a court may order injunctive 2 relief, damages, restitution, other compensation, or other |
| remedies permitted by law. A person harmed by a violation 1 of the bill may bring a civil action and, upon finding that 2 a financial institution violated the bill, a court may order 3 injunctive relief and actual damages not to exceed $10,000 or, 4 upon a finding that the violation by the financial institution 5 was willful, damages equal to three times the amount of actual 6 damages but not to exceed $30,000, in addition to reasonable 7 attorney fees and court costs. 8 -6- LSB | remedies permitted by law. A person harmed by a violation 4 of the bill may bring a civil action and, upon finding that 5 a financial institution violated the bill, a court may order 6 injunctive relief and actual damages not to exceed $10,000 or, 7 upon a finding that the violation by the financial institution 8 was willful, damages equal to three times the amount of actual 9 damages but not to exceed $30,000, in addition to reasonable 10 attorney fees and court costs. 11 -6- LSB |