Pick one or more. We'll use your choices and the connected bills to help you send a message to your elected officials.
Answer the policy questions below or skip any that don't fit your view. We use only your answers and the bills they connect to for your message.
1 bill on this topic
“Federal banking agencies should have to take reputational risk language out of rules, guidance, exam manuals, and other supervision materials, and should not tell banks or credit unions how to manage reputational risk.”
1 bill on this topic
“Large banks should be required to serve all lawful customers based on objective risk standards, not political or reputational judgments.”
1 bill on this topic
“Each covered federal banking agency should have to report to the Senate and House banking committees within 180 days, confirming that it changed how it handles reputational risk in supervision and explaining related internal policy changes.”
1 bill on this topic
“Customers denied banking services should have the right to sue banks directly in federal court and recover triple damages.”
1 bill on this topic
“Banks should be allowed to refuse service to someone who is rude to or harasses bank workers without being treated as violating fair-access protections.”
1 bill on this topic
“Covered banks should not reject lawful people or businesses because of subjective bias, favoritism, outside pressure, reputation concerns alone, or reasons that are not backed by clear risk evidence.”
1 bill on this topic
“Federal banking agencies should have to give written legal reasons before asking banks to close customer accounts, should not rely mainly on reputation risk, should usually tell affected customers why the closure happened, and should report those requests to Congress each year.”
1 bill on this topic
“Banks with major power over financial services should have to follow the fair-access system. A bank with $50 billion or more in assets should be treated as covered unless it proves to federal regulators that it should not be.”
1 bill on this topic
“Credit and debit card networks cannot cut off lawful customers over politics or reputation.”
1 bill on this topic
“Some large banks, depository institutions, and credit unions that refuse to serve lawful customers should risk losing access to Federal Reserve discount-window lending or the ACH electronic payment network.”
1 bill on this topic
“People harmed by a covered bank's fair-access violation should be able to sue in federal court without first finishing an agency complaint process, and winning customers should receive legal costs and three times the proven harm amount.”
1 bill on this topic
“Federal banking agencies should not change a bank or credit union's supervisory rating, punish it, pressure it, or take formal or informal enforcement action because of reputational risk, even if reputation is only part of the reason.”
1 bill on this topic
“Federal bank regulators should be limited in treating bad public attention about a bank or credit union's business practices as a risk when that attention could hurt trust, customers, income, or lead to lawsuits or other costs.”
1 bill on this topic
“Federal banking agencies should not examine, study, or collect information from banks or credit unions to review reputational risk, or send exam findings, criticisms, warning letters, or similar messages saying they have a reputational risk problem.”
1 bill on this topic
“Regulators should still be able to consider bad public attention tied to illegal transactions involving officially designated terrorism-related countries or foreign terrorist organizations.”
1 bill on this topic
“Covered banks should have to give customers written reasons when they deny financial services, including any specific law or regulation the bank says the customer violated.”
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