Creates standards for credit union and banking customers to designate a trusted contact

HB 229 creates a voluntary program allowing bank and credit union customers to designate a "trusted contact" - an adult they choose - to be contacted by the institution during emergencies, suspected fraud, or if the customer becomes unresponsive. It directly affects customers who opt into the program and financial institutions that choose to offer it. Key provisions include allowing institutions to report suspected fraud without liability, setting transaction limits for trusted contacts accessing account details, and providing legal immunity for both institutions and trusted contacts acting in good faith. The bill ensures customers can always revoke a trusted contact designation and clarifies that institutions are protected from liability related to the program's implementation.