Large banks and credit unions that refuse to serve law-abiding customers could lose access to the Federal Reserve's lending programs and electronic payment networks. Payment card networks also cannot cut off lawful customers over political or reputational concerns.
Modern Action shows what the legislation would change, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Fair Access to Banking Act is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest action on S. 401: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Who this affects: The bill primarily targets large banks, credit unions, and payment card networks, but its impact reaches any person or business that has been denied banking services despite operating legally.
Why this matters: Large banks have increasingly used reputational risk and political pressure as reasons to cut off legal businesses. This bill draws a hard line: if someone follows the law, they get access to banking.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: Fair Access to Banking Act
Large banks and credit unions that refuse to serve law-abiding customers could lose access to the Federal Reserve's lending programs and electronic payment networks. Payment card networks also cannot cut off lawful customers over political or reputational concerns.
Use this page to support, oppose, or ask Congress to amend S401. Modern Action shows what the bill would change, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Banking
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
The debate
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (2/4/2025)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Fair Access to Banking Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S401, your stance, and the reasons you choose, then lets you edit and send when ready.
