Virginia Human Rights Act; equal credit opportunities, Virginia Fair Housing Law, nondiscrimination.

Amends the Virginia Human Rights Act and related laws to prohibit the use of automated decision systems that result in discrimination, unlawful disparate impact, or use proxies for protected characteristics in housing, credit, and employment contexts. Requires entities using such systems to disclose their use, conduct annual bias assessments, and maintain documentation for two years. Applies to decisions made under equal credit opportunity, fair housing, and human rights statutes.