# Indiana HB 1528: Discrimination in providing financial services.

Indiana HB 1528, Discrimination in providing financial services., is a First Regular Session 124th General Assembly (2025) House bill sponsored by Andrew Ireland (Republican); status failed, last action 2025-01-28 (Representative Judy added as coauthor) (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/IN-HB1528-2025
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Indiana HB 1528
- State: Indiana
- Session: First Regular Session 124th General Assembly (2025)
- Title: Discrimination in providing financial services.
- Status: failed
- Chamber: House
- Introduced: 2025-01-21
- Last action: 2025-01-28, Representative Judy added as coauthor
- Sponsor: Andrew Ireland (Republican)
- Cosponsors: 3
- Subjects: financial institutions
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

Prohibits a financial services provider from discriminating in providing financial services to a consumer by using a social credit score as a basis for directly or indirectly: (1) declining to provide to the consumer full and equal access to one or more financial services; or (2) providing the consumer with one or more financial services on less favorable terms and conditions than would otherwise apply to the consumer if a social credit score were not used. Defines "social credit score" for purposes of these provisions. Specifies that the term does not include an analysis that involves a financial services provider's evaluation of any quantifiable risks of a consumer's participation in certain business activities or business associations, if the analysis is based on impartial, financial risk based standards that are: (1) established in advance; and (2) publicly disclosed to customers and potential customers; by the financial services provider. Provides that if a financial services provider refuses to provide, terminates, or restricts one or more financial services with respect to a consumer, the consumer may request from the financial services provider a statement of the specific reasons constituting the basis for the refusal, termination, or restriction. Provides that a financial services provider that receives such a request shall transmit to the consumer a written statement setting forth the specific reasons constituting the basis for the refusal, termination, or restriction. Sets forth requirements regarding the: (1) content of; and (2) means and time frame for submitting; a request or statement under these provisions. Provides that a violation of these provisions constitutes a deceptive act that is actionable under the deceptive consumer sales act only by the attorney general. Provides that a consumer aggrieved by a violation of these provisions may bring a civil action (including a class action) for damages, injunctive relief, or both.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Andrew Ireland (Republican), House
- Cosponsor: Chris Judy (Republican), House
- Cosponsor: Jim Lucas (Republican), House
- Cosponsor: Ryan Lauer (Republican), House

## Actions (4)

- 2025-01-28: Representative Judy added as coauthor (House)
- 2025-01-27: Representatives Lauer and Lucas added as coauthors (House)
- 2025-01-21: First reading: referred to Committee on Financial Institutions (House)
- 2025-01-21: Authored by Representative Ireland (House)

## Bill text

- Introduced House Bill (H): [PDF](https://api.iga.in.gov/2025/bills/HB1528/versions/HB1528.01.INTR?format=pdf)

## Related bills

- SB 324: Criminal procedures. (signed)
- SB 231: Various corrections matters. (signed)
- SB 80: Code publication. (signed)
- SB 453: Various tax matters. (signed)
- SB 464: Financial institutions and consumer credit. (signed)
- SB 371: Workforce matters. (signed)

## Sources
- [Introduced House Bill (H) (PDF)](https://api.iga.in.gov/2025/bills/HB1528/versions/HB1528.01.INTR?format=pdf)

## Related
- [SB 324: Criminal procedures.](https://policyrisk.com/state-bill/IN-SB324-2025)
- [SB 231: Various corrections matters.](https://policyrisk.com/state-bill/IN-SB231-2025)
- [SB 80: Code publication.](https://policyrisk.com/state-bill/IN-SB80-2025)
- [SB 453: Various tax matters.](https://policyrisk.com/state-bill/IN-SB453-2025)
- [SB 464: Financial institutions and consumer credit.](https://policyrisk.com/state-bill/IN-SB464-2025)
- [SB 371: Workforce matters.](https://policyrisk.com/state-bill/IN-SB371-2025)
- [Indiana bills](https://policyrisk.com/states/indiana/bills)
- [Indiana state hub](https://policyrisk.com/states/indiana)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/IN-HB1528-2025 (as of 2026-10-17).