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Straight-ahead summaries built from the official bill text. We keep the source links front and center and leave the decision up to you.

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HB2903 • 2026

social credit; use; prohibition

HB2903 - social credit; use; prohibition

Vetoed

The latest official action shows the governor vetoed this bill. Check the bill history to see whether lawmakers later overrode that veto.

Sponsor
Steve Montenegro
Last action
2026-04-07
Official status
Governor vetoed
Effective date
Not listed

Plain English Breakdown

The official source confirms the governor's veto but does not state whether a legislative override attempt occurred or succeeded.

HB2903: Prohibition on Requiring Social Credit Scores for Lending

This bill would stop the state of Arizona from requiring banks or financial institutions to use social credit scores when deciding whether to lend money.

What This Bill Does

  • Adds a new section, 6-194, to Title 6 of the Arizona Revised Statutes regarding banks and lending.
  • Prohibits the state government from requiring any bank or financial institution to use social credit scores when evaluating whether to lend money.

Who It Names or Affects

  • Banks in Arizona
  • Financial institutions in Arizona

Limits and Unknowns

  • The governor vetoed this bill on April 7, 2026.
  • It is not yet known if lawmakers will override the veto to make it law.

Bill History

  1. 2026-04-02 V

    Governor vetoed

  2. 2026-04-01 House

    Transmitted to House

  3. 2026-04-01 Senate

    Senate third read passed

  4. 2026-04-01 Senate

    Senate committee of the whole

  5. 2026-03-24 Senate

    Senate minority caucus

  6. 2026-03-24 Senate

    Senate majority caucus

  7. 2026-03-23 Senate

    Senate consent calendar

  8. 2026-03-10 Senate

    Senate second read

  9. 2026-03-09 Senate

    Senate Rules: PFC

  10. 2026-03-09 Senate

    Senate Finance: DP

  11. 2026-03-09 Senate

    Senate first read

  12. 2026-03-03 Senate

    Transmitted to Senate

  13. 2026-03-03 House

    House third read passed

  14. 2026-02-25 House

    House committee of the whole

  15. 2026-02-10 House

    House minority caucus

  16. 2026-02-10 House

    House majority caucus

  17. 2026-02-09 House

    House consent calendar

  18. 2026-01-26 House

    House second read

  19. 2026-01-22 House

    House Rules: C&P

  20. 2026-01-22 House

    House Commerce: DP

  21. 2026-01-22 House

    House first read

Official Summary Text

HB2903 - social credit; use; prohibition

Current Bill Text

Read the full stored bill text 
HB2903 - 572R - H Ver

House Engrossed

social credit; use;
prohibition

State of Arizona

House of Representatives

Fifty-seventh Legislature

Second Regular Session

2026

HOUSE BILL 2903

AN
ACT

amending title 6, chapter 2, article 1, Arizona
Revised Statutes, by adding section 6-194; relating to banks and
financial institutions.

(TEXT OF BILL BEGINS ON NEXT PAGE)

Be it
enacted by the Legislature of the State of Arizona:

Section 1. Title 6, chapter 2, article 1,
Arizona Revised Statutes, is amended by adding section 6-194, to read:

START_STATUTE
6-194.

Social credit score; lending; prohibition

This state may not require a bank or financial
institution to use a social credit score when the bank or financial institution
evaluates whether to lend money to a customer.
END_STATUTE