Fair Access to Banking Act

Sponsored byRep. Barr, Andy [R-KY-6]KY· Introduced 5 February 2025

Open on Congress.gov

100

Cosponsors

Actions

Amendments

Committees

—

Since introduced

Introduced

Committee

Passed Chamber

Passed Both

Enacted

Step 1 of 0

Latest action

Referred to the House Committee on Financial Services.

5 February 2025·1 year ago

Summary

Introduced in House · Updated 25 July 2025

Fair Access to Banking Act

This bill places restrictions on certain banks, credit unions, and payment card networks if they refuse to do business with a person who complies with the law. Restrictions include prohibiting the use of electronic funds transfer systems and lending programs, termination of an institution's depository insurance, and specified civil penalties.

Banks and other specified financial institutions are allowed to deny financial services to a person only if the denial is justified by a documented failure of that person to meet quantitative, impartial, risk-based standards established in advance by the institution. This justification may not be based upon reputational risks to the institution.

The bill establishes the right for a person to bring a civil action for a violation of this bill.

Timeline

3 actions

Referred to the House Committee on Financial Services.
5 February 2025 · IntroReferral
Introduced in House
5 February 2025 · IntroReferral
Introduced in House
5 February 2025 · IntroReferral

Sponsorship

100 cosponsors

Sponsor

Rep. Barr, Andy [R-KY-6]KY

Cosponsors

Republican50100%

Republican:Rep. Perry, Scott [R-PA-10]PA
Republican:Rep. Mills, Cory [R-FL-7]FL
Republican:Rep. Cammack, Kat [R-FL-3]FL
Republican:Rep. Alford, Mark [R-MO-4]MO
Republican:Rep. Emmer, Tom [R-MN-6]MN
Republican:Rep. Crank, Jeff [R-CO-5]CO
Republican:Rep. Patronis, Jimmy [R-FL-1]FL
Republican:Rep. Taylor, David J. [R-OH-2]OH
Republican:Rep. Letlow, Julia [R-LA-5]LA
Republican:Rep. Fallon, Pat [R-TX-4]TX
Republican:Rep. Joyce, David P. [R-OH-14]OH
Republican:Rep. Jack, Brian [R-GA-3]GA
Republican:Rep. Allen, Rick W. [R-GA-12]GA
Republican:Rep. Calvert, Ken [R-CA-41]CA
Republican:Rep. Simpson, Michael K. [R-ID-2]ID
Republican:Rep. Hamadeh, Abraham J. [R-AZ-8]AZ
Republican:Rep. Issa, Darrell [R-CA-48]CA
Republican:Rep. Fischbach, Michelle [R-MN-7]MN
Republican:Rep. Grothman, Glenn [R-WI-6]WI
Republican:Rep. McGuire, John J. [R-VA-5]VA
Republican:Rep. Goldman, Craig A. [R-TX-12]TX
Republican:Rep. McDowell, Addison P. [R-NC-6]NC
Republican:Rep. Jackson, Ronny [R-TX-13]TX
Republican:Rep. Biggs, Sheri [R-SC-3]SC
Republican:Rep. Burchett, Tim [R-TN-2]TN
Republican:Rep. Rouzer, David [R-NC-7]NC
Republican:Rep. Evans, Gabe [R-CO-8]CO
Republican:Rep. Wilson, Joe [R-SC-2]SC
Republican:Rep. Feenstra, Randy [R-IA-4]IA
Republican:Rep. Gimenez, Carlos A. [R-FL-28]FL
Republican:Rep. Valadao, David G. [R-CA-22]CA
Republican:Rep. Fulcher, Russ [R-ID-1]ID
Republican:Rep. Gill, Brandon [R-TX-26]TX
Republican:Rep. Moore, Blake D. [R-UT-1]UT
Republican:Rep. Moolenaar, John R. [R-MI-2]MI
Republican:Rep. Nehls, Troy E. [R-TX-22]TX
Republican:Rep. Crenshaw, Dan [R-TX-2]TX
Republican:Rep. Harshbarger, Diana [R-TN-1]TN
Republican:Rep. Miller, Carol D. [R-WV-1]WV
Republican:Rep. Hinson, Ashley [R-IA-2]IA
Republican:Rep. Wagner, Ann [R-MO-2]MO
Republican:Rep. Timmons, William R. [R-SC-4]SC
Republican:Rep. Donalds, Byron [R-FL-19]FL
Republican:Rep. Haridopolos, Mike [R-FL-8]FL
Republican:Rep. Fry, Russell [R-SC-7]SC
Republican:Rep. Owens, Burgess [R-UT-4]UT
Republican:Rep. Steube, W. Gregory [R-FL-17]FL
Republican:Rep. Wied, Tony [R-WI-8]WI
Republican:Rep. Sessions, Pete [R-TX-17]TX
Republican:Rep. Stefanik, Elise M. [R-NY-21]NY

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Classification

Policy area

Finance and Financial Sector

Committees

Financial Services Committee
House · Standing
- Referred To5 Feb 2025

Track Fair Access to Banking Act as it moves through Congress