119th Congress · introduced in the Senate · Feb 4, 2025
Fair Access to Banking Act
Official title from Congress.gov
Latest action (Feb 4, 2025): Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in Senate (Feb 4, 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.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Introduced in Senate
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
107 citations; showing the 25 most recently posted.
CITIGROUP WASHINGTON, INC. · lobbying firm or registrant: CITIGROUP WASHINGTON, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Financial Institutions/Investments/Securities
$1,330,000
Spent on own lobbying
…41, Sanctioning Russia Act of 2025 - all provisions H.R.3633, Market Structure Clarity Act of 2025 - all provisions H.R.8395, PACE Act of 2026 - all provisions S.401/H.R.987, Fair Access to Banking Act - all provisions S.875/H.R.2702, Financial Integrity and Regulation Management (FIRM) Act - all provisions S.2381/H.R.1944,…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CITIGROUP WASHINGTON, INC. · lobbying firm or registrant: CITIGROUP WASHINGTON, INC.
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · amended · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,270,000
Spent on own lobbying
…onomy Act of 2025 - all provisions H.R.2548/S.1241, Sanctions Russia Act of 2025 - all provisions H.R.3655, Digital Market Clarity Act of 2025 - all provisions S.401/H.R.987, Fair Access to Banking Act - all provisions S.875/H.R.2702, Financial Integrity and Regulation Management (FIRM) Act - all provisions S.919/S.1582, Gu…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Spent on own lobbying
…s; issues related to lending programs and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3674; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$60,000
Spent on own lobbying
…s; issues related to lending programs and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3674; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ACA INTERNATIONAL · lobbying firm or registrant: ACA INTERNATIONAL
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$190,000
Spent on own lobbying
H.R.987 Fair Access to Banking Act S.401 Fair Access to Banking Act H.R.270 FIRM Act Issues related to debanking
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
JPMORGAN CHASE HOLDINGS LLC · lobbying firm or registrant: JPMORGAN CHASE HOLDINGS LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$1,460,000
Spent on own lobbying
S. 401, H.R. 3234, H.R. 6644, S. 4198, H.R. 6955, H.R. 10167 - Discussed bank regulatory policy. Discussed mortgage loan originations, servicing and refinancing, and…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$3,100,000
Spent on own lobbying
…Act of 2026 H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 987/S. 401, the Fair Access to Banking Act H.R. 1652, the Rectifying UDAAP Act H.R. 3445, the Bureau of Consumer Financial Protection Commission Act H.R. 1653, the CID Re…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
DIGITAL CURRENCY GROUP · lobbying firm or registrant: DIGITAL CURRENCY GROUP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$310,000
Spent on own lobbying
General education around digital assets and decentralized AI S.875, FIRM Act S. 401, H.R. 987 Fair Access to Banking Act Legislation related to digital asset market structure legislation - HR 3633 (CLARITY Act) and the Responsible Financial In…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CORECIVIC INC · lobbying firm or registrant: CORECIVIC, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$490,000
Spent on own lobbying
Issues pertaining to financial industry practices; H.R. 987/S. 401 - Fair Access to Banking Act. CORECIVIC, INC. DOES NOT LOBBY FOR OR AGAINST ANY POLICIES OR LEGISLATION THAT WOULD DETERMINE THE BASIS FOR AN INDIVIDUAL'S INCA…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL SHOOTING SPORTS FOUNDATION · lobbying firm or registrant: NATIONAL SHOOTING SPORTS FOUNDATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Firearms/Guns/Ammunition
$2,520,000
Spent on own lobbying
…55 / H.R.3740); Equal Shot Act of 2025 (S.2562 / H.R.4474); Extreme Risk Protection Order Expansion Act of 2025 (S.889 / H.R.4252); Fair Access to Banking Act (S.401 / H.R.987); Federal Lands Lawful Carry Act (H.R.9719); FIRE Act (S.2813 / H.R.4546); Firearm Access During Shutdowns Act (S.3085 / H.R.5874); Firearm Safety Ac…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
THE GEO GROUP, INC. · lobbying firm or registrant: THE GEO GROUP, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Banking
$340,000
Spent on own lobbying
S. 401 and H.R. 987, Fair Access to Banking Act; Issues related to the availability of banking services for federal contractors. Note: GEO's political and governmenta…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL RIFLE ASSOCIATION OF AMERICA · lobbying firm or registrant: NATIONAL RIFLE ASSOCIATION OF AMERICA
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$520,000
Spent on own lobbying
S.401 H.R. 1181 H.R. 987
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL SHOOTING SPORTS FOUNDATION · lobbying firm or registrant: HOLLIER & ASSOCIATES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 16, 2026 · issue area: Banking
$30,000
Paid to lobbying firm
S. 401 Fair Access to Banking Act S. 137, FIND Act HR 1181 Protecting Privacy in Purchase Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CORECIVIC (FORMERLY CCA OF TENNESSEE) · lobbying firm or registrant: GREENBERG TRAURIG, LLP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 16, 2026 · issue area: Taxation/Internal Revenue Code
$30,000
Paid to lobbying firm
Issues pertaining to financial industry practices H.R. 987/S. 401 - Fair Access to Banking Act. CORECIVIC, INC. DOES NOT LOBBY FOR OR AGAINST ANY POLICIES OR LEGISLATION THAT WOULD DETERMINE THE BASIS FOR AN INDIVIDUAL'S INCA…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CORECIVIC (FORMERLY CCA OF TENNESSEE) · lobbying firm or registrant: GREENBERG TRAURIG, LLP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 16, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
Issues pertaining to financial industry practices H.R. 987/S. 401 - Fair Access to Banking Act. CORECIVIC, INC. DOES NOT LOBBY FOR OR AGAINST ANY POLICIES OR LEGISLATION THAT WOULD DETERMINE THE BASIS FOR AN INDIVIDUAL'S INCA…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL SHOOTING SPORTS FOUNDATION · lobbying firm or registrant: HOLLIER & ASSOCIATES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Banking
$30,000
Paid to lobbying firm
S. 401 Fair Access to Banking Act S. 137, FIND Act HR 1181 Protecting Privacy in Purchase Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ACA INTERNATIONAL · lobbying firm or registrant: ACA INTERNATIONAL
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Financial Institutions/Investments/Securities
$160,000
Spent on own lobbying
H.R.987 Fair Access to Banking Act S.401 Fair Access to Banking Act H.R.270 FIRM Act Issues related to debanking
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Financial Institutions/Investments/Securities
$80,000
Spent on own lobbying
…s; issues related to lending programs and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652;…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Banking
$80,000
Spent on own lobbying
…s; issues related to lending programs and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652;…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CITIGROUP WASHINGTON, INC. · lobbying firm or registrant: CITIGROUP WASHINGTON, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,330,000
Spent on own lobbying
…41, Sanctioning Russia Act of 2025 - all provisions H.R.3633, Market Structure Clarity Act of 2025 - all provisions H.R.8395, PACE Act of 2026 - all provisions S.401/H.R.987, Fair Access to Banking Act - all provisions S.875/H.R.2702, Financial Integrity and Regulation Management (FIRM) Act - all provisions S.2381/H.R.1944,…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
JPMORGAN CHASE HOLDINGS LLC · lobbying firm or registrant: JPMORGAN CHASE HOLDINGS LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$1,190,000
Spent on own lobbying
S. 401, H.R. 3234, H.R. 6644, S. 4198, H.R. 6955 - Discussed bank regulatory policy. Discussed mortgage loan originations, servicing and refinancing, and related issu…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$3,510,000
Spent on own lobbying
…Act of 2026 H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 987/S. 401, the Fair Access to Banking Act H.R. 1652, the Rectifying UDAAP Act H.R. 3445, the Bureau of Consumer Financial Protection Commission Act H.R. 1653, the CID Re…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
DIGITAL CURRENCY GROUP · lobbying firm or registrant: DIGITAL CURRENCY GROUP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$410,000
Spent on own lobbying
General education around digital assets and decentralized AI S.875, FIRM Act S. 401, H.R. 987 Fair Access to Banking Act Legislation related to digital asset market structure legislation - HR 3633 (CLARITY Act) and the Responsible Financial In…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CORECIVIC INC · lobbying firm or registrant: CORECIVIC, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$490,000
Spent on own lobbying
Issues pertaining to financial industry practices; H.R. 987/S. 401 - Fair Access to Banking Act. CORECIVIC, INC. DOES NOT LOBBY FOR OR AGAINST ANY POLICIES OR LEGISLATION THAT WOULD DETERMINE THE BASIS FOR AN INDIVIDUAL'S INCA…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CORECIVIC (FORMERLY CCA OF TENNESSEE) · lobbying firm or registrant: GREENBERG TRAURIG, LLP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Taxation/Internal Revenue Code
$30,000
Paid to lobbying firm
Issues pertaining to financial industry practices H.R. 987/S. 401 - Fair Access to Banking Act. CORECIVIC, INC. DOES NOT LOBBY FOR OR AGAINST ANY POLICIES OR LEGISLATION THAT WOULD DETERMINE THE BASIS FOR AN INDIVIDUAL'S INCA…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing