Fair Access to Banking Act

1. 01

   How would banks determine which customer rejections are based on documented risk versus reputation, and who verifies that distinction?

2. 02

   What specific harms might result if financial institutions cannot deny services to customers they assess as higher-risk without detailed documentation?

3. 03

   How would removing deposit insurance and allowing civil lawsuits change banks' lending practices and potentially affect their customers' account fees or credit access?

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