Congress.gov119th Congress

H.R. 987

Fair Access to Banking Act

Introduced Feb 5, 2025Latest action Feb 5, 2025Finance and Financial Sector

Plain-English summary

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.

Deterministically condensed from the official CRS summary; verify details in the official record.

People and recorded decisions

Sponsors, Cosponsors & House Votes

Timothy L Rep Walberg

Cosponsor · Republican · MI

Brandon Gill

Cosponsor · Republican · TX

Thomas Earl Emmer Jr.

Cosponsor · Republican · MN

Glenn Thompson

Cosponsor · Republican · PA

Troy Downing

Cosponsor · Republican · MT

Robert J. Wittman

Cosponsor · Republican · VA

Pete Sessions

Cosponsor · Republican · TX

Eric Burlison

Cosponsor · Republican · MO

James Austin Scott

Cosponsor · Republican · GA

Russell Fry

Cosponsor · Republican · SC

Earl Leroy Carter

Cosponsor · Republican · GA

Aaron Bean

Cosponsor · Republican · FL

Russell Fulcher

Cosponsor · Republican · ID

Virginia Ann Foxx

Cosponsor · Republican · NC

Lance Gooden

Cosponsor · Republican · TX

Tony Wied

Cosponsor · Republican · WI

Jimmy Patronis Jr.

Cosponsor · Republican · FL

Kevin Hern

Cosponsor · Republican · OK

Andy Ogles

Cosponsor · Republican · TN

Scott Hon. Desjarlais

Cosponsor · Republican · TN

Timothy Gabriel Joseph Evans

Cosponsor · Republican · CO

William P Huizenga

Cosponsor · Republican · MI

Andrew P Harris

Cosponsor · Republican · MD

Randall Feenstra

Cosponsor · Republican · IA

Richard Hudson

Cosponsor · Republican · NC

David Rouzer

Cosponsor · Republican · NC

William R Timmons IV

Cosponsor · Republican · SC

Benjamin Lee Cline

Cosponsor · Republican · VA

Greg Steube

Cosponsor · Republican · FL

Scott Perry

Cosponsor · Republican · PA

Dan Newhouse

Cosponsor · Republican · WA

Daniel Webster

Cosponsor · Republican · FL

Ken Calvert

Cosponsor · Republican · CA

Glenn Grothman

Cosponsor · Republican · WI

Jodey C. Arrington

Cosponsor · Republican · TX

Peter Allen Stauber

Cosponsor · Republican · MN

Jefferson Shreve

Cosponsor · Republican · IN

Paul Dr. Gosar

Cosponsor · Republican · AZ

Michelle Fischbach

Cosponsor · Republican · MN

Ann Wagner

Cosponsor · Republican · MO

John Bergman

Cosponsor · Republican · MI

Claudia Tenney

Cosponsor · Republican · NY

Laurel M. Lee

Cosponsor · Republican · FL

Craig A. Goldman

Cosponsor · Republican · TX

Brad Finstad

Cosponsor · Republican · MN

Brian Jack

Cosponsor · Republican · GA

Daniel Crenshaw

Cosponsor · Republican · TX

Michael Rogers

Cosponsor · Republican · AL

Julia Letlow

Cosponsor · Republican · LA

Vernon Buchanan

Cosponsor · Republican · FL

Diana Harshbarger

Cosponsor · Republican · TN

Lauren Boebert

Cosponsor · Republican · CO

August Lee Pfluger II

Cosponsor · Republican · TX

Dale W. Strong

Cosponsor · Republican · AL

Erin Houchin

Cosponsor · Republican · IN

Andrew Clyde

Cosponsor · Republican · GA

Mike Haridopolos

Cosponsor · Republican · FL

Rudy Yakym III

Cosponsor · Republican · IN

Roger Williams

Cosponsor · Republican · TX

Ron Estes

Cosponsor · Republican · KS

Walter Michael Ezell

Cosponsor · Republican · MS

Ralph W. Norman Jr.

Cosponsor · Republican · SC

Keith Self

Cosponsor · Republican · TX

Adrian Smith

Cosponsor · Republican · NE

James Comer

Cosponsor · Republican · KY

Mark E. Amodei

Cosponsor · Republican · NV

Sheri Biggs

Cosponsor · Republican · SC

Abraham J. Hamadeh

Cosponsor · Republican · AZ

Carlos A. Gimenez

Cosponsor · Republican · FL

David J. Taylor

Cosponsor · Republican · OH

Clay Higgins

Cosponsor · Republican · LA

Tracey Mann

Cosponsor · Republican · KS

Scott Franklin

Cosponsor · Republican · FL

Kat Cammack

Cosponsor · Republican · FL

Troy Nehls

Cosponsor · Republican · TX

Patrick Fallon

Cosponsor · Republican · TX

Tim Burchett

Cosponsor · Republican · TN

Burgess Owens

Cosponsor · Republican · UT

Ronny Jackson

Cosponsor · Republican · TX

Carol D. Miller

Cosponsor · Republican · WV

Felix Barry Moore

Cosponsor · Republican · AL

Cory Mills

Cosponsor · Republican · FL

Daniel Meuser

Cosponsor · Republican · PA

John H. Rutherford

Cosponsor · Republican · FL

Randy K. Weber, Sr.

Cosponsor · Republican · TX

Mark Alford

Cosponsor · Republican · MO

Elizabeth Ann Van Duyne

Cosponsor · Republican · TX

Richard W Allen

Cosponsor · Republican · GA

Michael Bost

Cosponsor · Republican · IL

Joe Wilson

Cosponsor · Republican · SC

Scott Fitzgerald

Cosponsor · Republican · WI

Brian Babin

Cosponsor · Republican · TX

Michael A Collins Jr.

Cosponsor · Republican · GA

David G. Valadao

Cosponsor · Republican · CA

Garland Andy Barr

Sponsor · Republican · KY

Pat Harrigan

Cosponsor · Republican · NC

John R. Moolenaar

Cosponsor · Republican · MI

Elise M. Stefanik

Cosponsor · Republican · NY

Robert E. Latta

Cosponsor · Republican · OH

Ashley Hinson Arenholz

Cosponsor · Republican · IA

David P. Joyce

Cosponsor · Republican · OH

Jeff Crank

Cosponsor · Republican · CO

Byron Donalds

Cosponsor · Republican · FL

Michael K. Simpson

Cosponsor · Republican · ID

Blake D. Moore

Cosponsor · Republican · UT

Samuel B. Graves Jr.

Cosponsor · Republican · MO

Addison P. McDowell

Cosponsor · Republican · NC

Darrell Issa

Cosponsor · Republican · CA

Nick Langworthy

Cosponsor · Republican · NY

John J. McGuire III

Cosponsor · Republican · VA

Randy Fine

Cosponsor · Republican · FL

No linked House roll-call vote is available yet. Senate votes are not currently synchronized.

Official Subjects

Finance and Financial Sector

Sources & text

Official Congress.gov record ↗Introduced in House ↗Introduced in House ↗Introduced in House ↗

Congress.gov data last updated Sep 2, 2026. Automated summaries preserve a source version and generation timestamp; human edits are explicitly recorded.