Banking Fairness
Battling the Banks
Our industry is denied fair and dependable banking at every turn. Several bills and initiatives seek to outlaw banking discrimination or otherwise expand the playing field. Here are a few that we’re watching.
Current Bills
| Title | Status | Latest Action | Date | Summary |
|---|---|---|---|---|
| FIRM Act (S.875/H.R.2702) | Passed first committee | Companion bill introduced in the House | 2025-04-08 | A bill to eliminate reputational risk as a component of the supervision of depository institutions. |
| H.R. 4544 American Access to Banking Act | Introduced | Passed House Financial Services Committee | 2025-07-23 | Directs federal banking and credit union regulators to streamline the formation |
| Fair Access to Banking Act | Introduced | Introduced and referred to committee | 2025-02-05 | The legislation requires that lending and services decisions must be based on impartial, risk-based analysis, not political or reputational favoritism. |