Social credit scores; creating the Prohibition on Social Credit Scores in the State of Oklahoma Act. Emergency.
Impact
If enacted, SB1644 would significantly alter the landscape of data privacy and governmental control over individuals' rights in Oklahoma. The bill asserts individual autonomy by preventing entities from using social credit scores to dictate access to essential services. This move is intended to protect citizens from potential discrimination or penalties based on their behaviors that have been evaluated under a social credit framework. The legislation aims to prevent the implementation of systems that could restrict individuals' access to necessary services based on subjective evaluations of their behavior.
Summary
Senate Bill 1644, known as the Prohibition on Social Credit Scores in the State of Oklahoma Act, aims to outlaw the use of social credit scores within the state. It explicitly prohibits government entities, political subdivisions, businesses, and citizens from engaging in or enabling social credit scoring systems. The legislation defines social credit scores as assignments of numeric or alphanumeric codes to individuals or businesses based on behaviors or actions, such as compliance with financial obligations or regulations, with the intent to regulate access to various services, including healthcare and public transport.
Contention
However, the bill may face contention regarding its implications for businesses and financial institutions. While it allows for the use of financial credit scores for assessing creditworthiness, it restricts the broader application of social credit scores that could serve to regulate behavior beyond financial metrics. Critics may argue that the bill could hinder businesses' ability to assess consumer risk comprehensively. Additionally, the lack of a clear framework for what constitutes acceptable data collection and privacy practices could lead to misunderstandings and pushback from both consumer advocates and industry representatives.
To Regulate The Use Of Social Credit Scores Based On Environmental, Social Justice, Or Governance Scores Or Metrics; And To Prohibit A State Agency From Engaging In Discrimination Based On The Use Of A Social Credit System.
Relating to prohibiting the use of certain credit scores, including environmental, social, or governance scores and social credit scores, by certain financial institutions and other lenders in this state; providing a civil penalty.