HR 987 · in committee · major
Fair Access to Banking Act
- economy
What this bill does
- Banks and payment networks cannot refuse service to lawful customers based on reputation alone.
- Financial institutions, credit unions, and their customers are affected by new service denial rules.
- Violators lose deposit insurance and face civil penalties; customers can sue for violations.
Generated by claude-haiku-4-5
Community Threads
Started by Cosponsor
- 01
How would banks determine whether a customer's reputation risk justifies service denial under this bill's standards?
- 02
What evidence exists that reputation-based debanking currently prevents lawful individuals or businesses from accessing financial services?
- 03
If banks face liability for denied service, how might this affect their ability to manage fraud or money laundering risks?
Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.

Sponsor · R-KY-6
Andy Barr
Citizen cosponsors
0
In Congress
93/ 435
House Reps cosponsoring
Introduced 2025-02-05
Joining the bill

Pat Harrigan
R-NC-10 · original

Scott Franklin
R-FL-18 · original

Daniel Meuser
R-PA-9 · original

Andrew S. Clyde
R-GA-9 · original

Scott Fitzgerald
R-WI-5

Virginia Foxx
R-NC-5

Jodey C. Arrington
R-TX-19

Clay Higgins
R-LA-3

Sam Graves
R-MO-6

Scott DesJarlais
R-TN-4

Vern Buchanan
R-FL-16

Ron Estes
R-KS-4
+ 81 more
Legislative timeline
2025-02-05 · house · IntroReferral
Referred to the House Committee on Financial Services.
2025-02-05 · IntroReferral
Introduced in House
2025-02-05 · IntroReferral
Introduced in House
Citizen comments
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