Compare IA HF 594 (2025) and IA SSB 3094 (2024)
The introduced text of these two bills, side by side, with the wording they share.
- IA HF 594 (2025) · Iowa · 2025 · Failed
- IA SSB 3094 (2024) · Iowa · 2024 · Failed
613 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 594 (2025) | IA SSB 3094 (2024) |
|---|---|
| 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 | 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 |
| 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 person. 9 2. “Financial institution” means any bank incorporated 10 under the provisions of any state or federal law, any savings 11 and loan association incorporated under the provisions of 12 federal law, any credit union organized under the provisions 13 of any sta… | F. _____ 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 person. 9 2. “Financial institution” means any bank incorporated 10 under the provisions of any state or federal law, any savings 11 and loan association incorporated under the provisions of 12 federal law, any credit union organized under the provisions 13 of any s… |
| F. 594 protected by the first amendment to the Constitution of the 1 United States, Article I of the Constitution of the State of 2 Iowa, or federal or state law. 3 6. a. “Social credit score” means an analysis, rating, 4 scoring, list, or tabulation that evaluates any of the 5 following: 6 (1) A person’s speech, religious exercise, association, 7 expression, or conduct protected by the first amendment 8 to the Constitution of the United States, Article I of the 9 Constitution of the State of Iowa, or federal or state law. 10 (2) A person’s failure or refusal to do any of the 11 following: 12 (a) Adopt targets or disclosures related to greenhouse gas 13 emissions beyond targets or disclosur… | F. _____ protected by the first amendment to the Constitution of the 1 United States, Article I of the Constitution of the State of 2 Iowa, or federal or state law. 3 6. a. “Social credit score” means an analysis, rating, 4 scoring, list, or tabulation that evaluates any of the 5 following: 6 (1) A person’s speech, religious exercise, association, 7 expression, or conduct protected by the first amendment 8 to the Constitution of the United States, Article I of the 9 Constitution of the State of Iowa, or federal or state law. 10 (2) A person’s failure or refusal to do any of the 11 following: 12 (a) Adopt targets or disclosures related to greenhouse gas 13 emissions beyond targets or disclos… |
| 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 | 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 |
| intermediary or third party, with another person, or group of 1 persons, to discriminate in the provision of financial services | intermediary or third party, with another person, or group of 34 persons, to discriminate in the provision of financial services |
| discriminate in the provision of financial services 2 to a person | discriminate in the 29 provision of financial services to a person |
| request the statement from a customer 10 service or designated account representative of the financial 11 institution | request 16 the statement from a customer service or designated account 17 representative of the financial institution |
| The person 12 shall provide the financial institution with a mailing address 13 and an electronic mail address where the statement can be sent. 14 The financial institution shall transmit the statement | 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 |
| business days of receiving 16 the person’s request | business days of receiving the person’s request |
| A detailed explanation of the basis for the denial, 20 restriction, or termination | a detailed explanation of the 23 basis for the denial, restriction, or termination |
| of the person’s speech, religious 22 exercise, business activity with a particular industry, or 23 other conduct that was | of the person’s speech, religious exercise, 25 business activity with a particular industry, or other conduct 26 that was |
| A copy of the terms of service agreed upon | a copy of the terms of service agreed upon |
| and a citation to the specific provision 29 of the terms of service | and a citation to the 29 specific provision of the terms of service |
| may bring a civil action, and upon 12 finding that a financial institution violated | may bring a civil action and, upon finding that 2 a financial institution violated |
| that the violation by the financial 16 institution was willful, damages in an amount equal to three 17 times the amount of actual damages, but not to exceed thirty 18 thousand dollars, in addition to reasonable attorney fees and 19 court costs | 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 |
Only the first shared passages are listed here; the side-by-side view shows them all.