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provide consumer protection through fair access to financial and insurance products and services.

This bill establishes new consumer protections requiring South Dakota financial institutions (banks, credit unions, etc.) to make decisions about providing or denying services based on individual risk factors rather than blanket policies. The bill defines what counts as unsafe or unsound practices and prohibits financial institutions from engaging in them, while allowing religiously-affiliated institutions to operate under their stated religious purposes.

require disclosure of certain information prior to the sale of property bound by a homeowners' association.

SB217 requires sellers of properties in homeowners' associations to disclose specific information to buyers before the sale closes. The bill amends existing disclosure requirements and adds new rules about what HOA-related details must be shared, giving buyers better access to information about their potential HOA obligations and fees before they commit to purchasing the property.

amend the amount a merchant or place of business may assess against returned checks.

SB38 increases the amount that merchants and businesses can charge customers for bounced checks, modifying the fee structure in South Dakota law. The bill also repeals several older provisions related to check-handling procedures while updating the rules in a new section of law. This change makes it more expensive for customers when their checks fail to clear.