Enacts GS 53C-6-21, listing five factors for which it is unlawful for a bank to deny or cancel services, or otherwise discriminate against, a person, including (1) the person's political opinions, speech, or affiliations; (2) any factor that is not quantitative, impartial, and risk-based standard, including those related to the person's business; and (3) the use of rating, scoring, analysis, tabulation or action that considers a social credit score based on five criteria, such as lawful ownership of a firearm. Authorizes banks to offer services based on subjective standards upon full disclosure and explanations provided to the person before contracting for the service, subject to the person's attestation of the bank's compliance with the requirement. Requires banks to annually attest, under penalty of perjury, their compliance with the statute. Creates a cause of action for persons aggrieved by a bank's violation of the provisions. Deems any violation an unfair and deceptive trade practice. 

Amends GS 54B-78 and GS 54C-64, making new GS 53C-6-21 applicable to State associations and State savings banks. Makes technical changes.

Enacts GS 54-109.23, making new GS 53C-6-21 applicable to credit unions, and requires annual reports of credit unions be submitted to the Administrator of Credit Unions.

Enacts GS 58-63-15(7)e. to add to the acts constituting unfair discrimination which are unfair and deceptive trade practices, refusing to insure or charging a different rate solely in consideration of the risks relating to environmental, social, and governance criteria, as defined by state law; diversity, equity, or inclusion policies; or political and ideological factors, unless the refusal or different rate is the result of the application of sound underwriting and actuarial principles related to actual or reasonably anticipated loss experience.