ESG's are environmental, social, and governance metrics. It is a method of altering the behavior of businesses and individuals through incentives or in some cases disincentives. Rather than altering group and individual behavior through legislation, banks and financial institutions can alter the behavior of businesses and people using a social credit score.

The legislators of my state and several other states are actively fighting banks that exhibit this behavior. None of the small banks I interact with will ever participate in that concept.

[1] - https://www.heartland.org/publications-resources/publication...