S 401
Fair Access to Banking Act
Jurisdiction
US Congress
Session
119th Congress (2025-2026)
Last updated at
Jun 14, 2026, 9:05 AM
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Sign in to take action- Introduced
- Passed Senate
- Passed House
- To President
- Became Law
Bill overview
The Fair Access to Banking Act aims to prevent banks and other financial institutions from denying financial services to individuals or businesses solely based on political considerations or reputational risk. It establishes a legal right for individuals to challenge such denials and imposes restrictions on financial service providers, particularly those with substantial assets, prohibiting them from using taxpayer-funded lending programs if they deny services to compliant individuals. The bill also seeks to ensure that financial services are offered fairly and without discriminatory practices, and it establishes a process for determining when a bank is deemed to be unfairly denying access to financial services.
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