---
type: "Bill"
title: "Consumer Protection - As enacted, requires financial institutions and insurers to make determinations about the provision or denial of services based on certain analysis; prohibits financial institutions and insurers from denying or canceling services to a person, or otherwise discriminating against a person, based upon certain factors, including the person's political opinions, speech, or affiliations, or religious beliefs, religious exercise, or religious affiliations. - Amends TCA Title 4; Title 9; Title 45; Title 47 and Title 56."
description: "Consumer Protection - As enacted, requires financial institutions and insurers to make determinations about the provision or denial of services based on certain analysis; prohibits financial institutions and insurers from denying or canceling services to a person, or otherwise discriminating against a person, based upon certain factors, including the person's political opinions, speech, or affiliations, or religious beliefs, religious exercise, or religious affiliations. - Amends TCA Title 4; Title 9; Title 45; Title 47 and Title 56."
jurisdiction: "us/states/tn"
legislature: "Tennessee General Assembly"
session: "113"
identifier: "HB 2100"
citation: "Tennessee HB 2100 (113)"
classification: ["bill"]
subjects: ["Consumer Protection"]
status: "enacted"
primary_sponsors: ["Zachary"]
version_count: 6
action_count: 34
vote_count: 9
first_action: "2024-01-24"
last_action: "2024-05-01"
source: "openstates"
source_identifier: "ocd-bill/028e2002-0eff-49eb-b742-44b5ecc62ee1"
source_url: "http://wapp.capitol.tn.gov/apps/BillInfo/default.aspx?BillNumber=HB2100&GA=113"
source_hash: "779206c1080b40436811471f62df14e3362eaa646e50c1a6d14f09ab48be0252"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-tn"]
---

# Tennessee HB 2100 (113) — Consumer Protection - As enacted, requires financial institutions and insurers to make determinations about the provision or denial of services based on certain analysis; prohibits financial institutions and insurers from denying or canceling services to a person, or otherwise discriminating against a person, based upon certain factors, including the person's political opinions, speech, or affiliations, or religious beliefs, religious exercise, or religious affiliations. - Amends TCA Title 4; Title 9; Title 45; Title 47 and Title 56.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Amendment HA0669** (committee substitute) — [source](https://www.capitol.tn.gov/Bills/113/Amend/HA0669.pdf)
2. **Amendment HA0728** (committee substitute) — [source](https://www.capitol.tn.gov/Bills/113/Amend/HA0728.pdf)
3. **Amendment HA0730** (committee substitute) — [source](https://www.capitol.tn.gov/Bills/113/Amend/HA0730.pdf)
4. **Amendment SA0724** (committee substitute) — [source](https://www.capitol.tn.gov/Bills/113/Amend/SA0724.pdf)
5. **Amendment SA0725** (committee substitute) — [source](https://www.capitol.tn.gov/Bills/113/Amend/SA0725.pdf)
6. **Current Version** (committee substitute) — [source](https://www.capitol.tn.gov/Bills/113/Bill/HB2100.pdf)

## Votes

- HOUSE CALENDAR & RULES COMMITTEE: H. Placed on Regular Calendar for 3/18/2024 3/14/2024 (3) — **0–0** (fail) · lower
- FLOOR VOTE: REGULAR CALENDAR MOTION TO CONSIDER AMENDMENT # 2 BY PEARSON AS AMENDED PASSAGE ON THIRD CONSIDERATION 3/18/2024 Failed — **21–71** (fail) · lower
- HOUSE BANKING AND CONSUMER AFFAIRS SUBCOMMITTEE: Rec for pass if am by s/c ref. to Commerce Committee 3/5/2024 Passed — **5–1** (pass) · lower
- FLOOR VOTE: REGULAR CALENDAR AS AMENDED PASSAGE ON THIRD CONSIDERATION 3/18/2024 Passed (1) — **70–23** (pass) · lower
- FLOOR VOTE: MESSAGE CALENDAR CONCUR IN SENATE AMENDMENT # 2 4/1/2024 Passed — **72–19** (pass) · lower
- FLOOR VOTE: REGULAR CALENDAR PREVIOUS QUESTION AS AMENDED PASSAGE ON THIRD CONSIDERATION 3/18/2024 Passed (2) — **71–23** (pass) · lower
- HOUSE COMMERCE COMMITTEE: Rec. for pass. if am., ref. to Calendar & Rules Committee 3/12/2024 (4) — **0–0** (pass) · lower
- FLOOR VOTE: REGULAR CALENDAR MOTION TO CONSIDER AMENDMENT # 3 BY PEARSON AS AMENDED PASSAGE ON THIRD CONSIDERATION 3/18/2024 Failed — **23–71** (fail) · lower
- FLOOR VOTE: as Amended Third Consideration 3/25/2024 Passed (1) — **27–6** (pass) · upper

## Sponsors

- Zachary — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2024-01-24** Filed for introduction `filing`
- **2024-01-25** Intro., P1C. `introduction`
- **2024-01-29** P2C, ref. to Commerce Committee `referral-committee`
- **2024-01-30** Assigned to s/c Banking & Consumer Affairs Subcommittee `referral-committee`
- **2024-02-14** Placed on s/c cal Banking & Consumer Affairs Subcommittee for 2/20/2024
- **2024-02-20** Action Def. in s/c Banking & Consumer Affairs Subcommittee to 2/27/2024
- **2024-02-21** Placed on s/c cal Banking & Consumer Affairs Subcommittee for 2/27/2024
- **2024-02-27** Action Def. in s/c Banking & Consumer Affairs Subcommittee to 3/5/2024
- **2024-02-28** Placed on s/c cal Banking & Consumer Affairs Subcommittee for 3/5/2024
- **2024-03-05** Rec for pass if am by s/c ref. to Commerce Committee `referral-committee`
- **2024-03-06** Placed on cal. Commerce Committee for 3/12/2024
- **2024-03-06** Sponsor(s) Added. `sponsorship`
- **2024-03-12** Rec. for pass. if am., ref. to Calendar & Rules Committee `committee-passage-favorable`
- **2024-03-13** Placed on cal. Calendar & Rules Committee for 3/14/2024
- **2024-03-14** H. Placed on Regular Calendar for 3/18/2024
- **2024-03-18** Passed H., as am., Ayes 70, Nays 23, PNV 0 `passage`
- **2024-03-18** H. adopted am. (Amendment 1 - HA0669) `amendment-passage`
- **2024-03-18** Sponsor(s) Added. `sponsorship`
- **2024-03-19** Engrossed; ready for transmission to Sen. `receipt`
- **2024-03-21** Received from House, Passed on First Consideration `introduction`
- **2024-03-25** Passed Senate as amended, Ayes 27, Nays 6 `passage`
- **2024-03-25** Senate adopted Amendment (Amendment 2 - SA0725)
- **2024-03-25** Amendment withdrawn. (Amendment 1 - SA0724)
- **2024-03-25** Senate substituted House Bill for companion Senate Bill. `substitution`
- **2024-03-28** H. Placed on Message Calendar for 4/1/2024
- **2024-04-01** H. concurred in S. am. no. 2 Ayes 72, Nays 19 PNV 0 HB2100
- **2024-04-01** Sponsor(s) Added. `sponsorship`
- **2024-04-03** Enrolled; ready for sig. of H. Speaker. `enrolled`
- **2024-04-04** Signed by H. Speaker `passage`
- **2024-04-08** Signed by Senate Speaker `passage`
- **2024-04-10** Transmitted to Governor for his action. `executive-receipt`
- **2024-04-22** Signed by Governor. `executive-signature`
- **2024-05-01** Effective date(s) 07/01/2024
- **2024-05-01** Pub. Ch. 746

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/028e2002-0eff-49eb-b742-44b5ecc62ee1`. Confidence: reported (aggregated from official Tennessee legislature records).