# 119-hr-8643: Financial Access Protection Act

119-hr-8643, Financial Access Protection Act, is a 119th Congress bill sponsored by Rep. Torres, Ritchie [D-NY-15] (D-NY); status introduced; PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/legislation/119-hr-8643
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-8643
- Congress: 119
- Title: Financial Access Protection Act
- Status: introduced
- Introduced: 2026-04-30
- Sponsor: Rep. Torres, Ritchie [D-NY-15] (D-NY)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-11-01

## Summary

**Prohibits banks and other covered financial institutions from requiring, collecting, or sharing a customer's citizenship or immigration status.** This bill would bar firms from asking for or keeping that information as a condition of opening, maintaining, or accessing accounts, and it would stop regulators from conditioning supervisory actions on collecting that data. - Consumers and immigrant households: Would not have to disclose citizenship or immigration status to open or use bank accounts or other financial services. - Financial institutions: Applies to insured banks, credit unions, consumer reporting agencies, bank holding companies, and supervised affiliates. Those entities would be banned from requesting, recording, retaining, or transmitting citizenship or immigration status information. - Federal banking agencies: Could not require or encourage collection of citizenship or immigration status or tie supervisory ratings, enforcement decisions, or approvals to such collection. Agencies are assigned responsibility to enforce these limits. - Anti-money laundering and sanctions reporting: The bill preserves obligations under the Bank Secrecy Act and allows reporting needed to prevent money laundering, terrorist financing, and sanctions violations.

## Provisions PRIA read

- Banks can't ask your immigration status: benefit, medium. If enacted, covered banks, credit unions, consumer reporting agencies, bank holding companies, and their supervised affiliates would be banned from asking you for your citizenship or immigration status to open, keep, or use an account. They would be barred from requesting, collecting, recording, re…
- Regulators can't force status checks: benefit, medium. If enacted, the bill would prohibit any appropriate Federal banking agency from requiring or encouraging covered financial institutions to collect or maintain citizenship or immigration status. It would also bar conditioning supervisory ratings, enforcement decisions, approvals, or other regulatory…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-3633: Digital Asset Market Clarity Act
- 119-hr-4714: End Polluter Welfare Act of 2025
- 119-hr-5658: Child Care for Every Community Act

## Sources
- [119-hr-8643 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/8643)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-3633: Digital Asset Market Clarity Act](https://policyrisk.com/legislation/119-hr-3633)
- [119-hr-4714: End Polluter Welfare Act of 2025](https://policyrisk.com/legislation/119-hr-4714)
- [119-hr-5658: Child Care for Every Community Act](https://policyrisk.com/legislation/119-hr-5658)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-8643 (as of 2026-11-01).