# 119-hr-987: Fair Access to Banking Act

119-hr-987, Fair Access to Banking Act, is a 119th Congress bill sponsored by Rep. Barr, Andy [R-KY-6] (R-KY); status introduced; PRIA reads it as touching household money (as of 2026-10-21).

- Canonical: https://policyrisk.com/legislation/119-hr-987
- As of: 2026-10-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-987
- Congress: 119
- Title: Fair Access to Banking Act
- Status: introduced
- Introduced: 2025-02-05
- Sponsor: Rep. Barr, Andy [R-KY-6] (R-KY)
- Cosponsors: 151
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-21

## Summary

**Prevents banks and payment networks from cutting off customers for political or reputational reasons.** It sets a national standard that forces objective, risk-based decisions and creates a private right of action for people and businesses harmed by unfair denials. - Families and households keep access to bank accounts and payment services without being excluded for politics or reputation, and any denial must include a written, quantifiable justification. - Lawful businesses and nonprofits, including politically unpopular ones, gain protection from category-based refusals and can sue for treble damages and attorney’s fees if a covered institution violates the rules. - Banks, credit unions, and payment networks must adopt impartial, data-driven risk standards, may face civil penalties, and large institutions that refuse service could lose access to discount window lending or automated clearing house services.

## Cosponsors (151)

- Rep. Maloy, Celeste [R-UT-2] (R-UT), 2026-09-28T00:00:00.000Z
- Rep. Aderholt, Robert B. [R-AL-4] (R-AL), 2026-10-13T00:00:00.000Z
- Rep. Onder, Robert F. [R-MO-3] (R-MO), 2026-10-13T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-02-05T00:00:00.000Z
- Rep. Franklin, Scott [R-FL-18] (R-FL), 2025-02-05T00:00:00.000Z
- Rep. Clyde, Andrew S. [R-GA-9] (R-GA), 2025-02-05T00:00:00.000Z
- Rep. Harrigan, Pat [R-NC-10] (R-NC), 2025-02-05T00:00:00.000Z
- Rep. Arrington, Jodey C. [R-TX-19] (R-TX), 2025-02-06T00:00:00.000Z
- Rep. Fitzgerald, Scott [R-WI-5] (R-WI), 2025-02-06T00:00:00.000Z
- Rep. Foxx, Virginia [R-NC-5] (R-NC), 2025-02-06T00:00:00.000Z
- Rep. Higgins, Clay [R-LA-3] (R-LA), 2025-02-06T00:00:00.000Z
- Rep. Rogers, Mike D. [R-AL-3] (R-AL), 2025-02-10T00:00:00.000Z
- Rep. Buchanan, Vern [R-FL-16] (R-FL), 2025-02-10T00:00:00.000Z
- Rep. Van Duyne, Beth [R-TX-24] (R-TX), 2025-02-10T00:00:00.000Z
- Rep. Weber, Randy K. Sr. [R-TX-14] (R-TX), 2025-02-10T00:00:00.000Z
- Rep. Estes, Ron [R-KS-4] (R-KS), 2025-02-10T00:00:00.000Z
- Rep. Scott, Austin [R-GA-8] (R-GA), 2025-02-10T00:00:00.000Z
- Rep. Finstad, Brad [R-MN-1] (R-MN), 2025-02-10T00:00:00.000Z
- Rep. Tenney, Claudia [R-NY-24] (R-NY), 2025-02-10T00:00:00.000Z
- Rep. Strong, Dale W. [R-AL-5] (R-AL), 2025-02-10T00:00:00.000Z
- Rep. Self, Keith [R-TX-3] (R-TX), 2025-02-10T00:00:00.000Z
- Rep. Yakym, Rudy [R-IN-2] (R-IN), 2025-02-10T00:00:00.000Z
- Rep. Graves, Sam [R-MO-6] (R-MO), 2025-02-10T00:00:00.000Z
- Rep. DesJarlais, Scott [R-TN-4] (R-TN), 2025-02-10T00:00:00.000Z
- Rep. Amodei, Mark E. [R-NV-2] (R-NV), 2025-02-11T00:00:00.000Z
- Rep. Smith, Adrian [R-NE-3] (R-NE), 2025-02-11T00:00:00.000Z
- Rep. Moore, Barry [R-AL-1] (R-AL), 2025-02-11T00:00:00.000Z
- Rep. Rutherford, John H. [R-FL-5] (R-FL), 2025-02-11T00:00:00.000Z
- Rep. Downing, Troy [R-MT-2] (R-MT), 2025-02-12T00:00:00.000Z
- Rep. Boebert, Lauren [R-CO-4] (R-CO), 2025-02-12T00:00:00.000Z
- Rep. Collins, Mike [R-GA-10] (R-GA), 2025-02-12T00:00:00.000Z
- Rep. Burlison, Eric [R-MO-7] (R-MO), 2025-02-24T00:00:00.000Z
- Rep. Lee, Laurel M. [R-FL-15] (R-FL), 2025-02-24T00:00:00.000Z
- Rep. Bergman, Jack [R-MI-1] (R-MI), 2025-02-24T00:00:00.000Z
- Rep. Pfluger, August [R-TX-11] (R-TX), 2025-02-24T00:00:00.000Z
- Rep. Langworthy, Nicholas A. [R-NY-23] (R-NY), 2025-02-24T00:00:00.000Z
- Rep. Mann, Tracey [R-KS-1] (R-KS), 2025-02-24T00:00:00.000Z
- Rep. Latta, Robert E. [R-OH-5] (R-OH), 2025-02-24T00:00:00.000Z
- Rep. Carter, Earl L. "Buddy" [R-GA-1] (R-GA), 2025-02-24T00:00:00.000Z
- Rep. Harris, Andy [R-MD-1] (R-MD), 2025-02-27T00:00:00.000Z
- Rep. Bost, Mike [R-IL-12] (R-IL), 2025-03-03T00:00:00.000Z
- Rep. Hudson, Richard [R-NC-9] (R-NC), 2025-03-10T00:00:00.000Z
- Rep. Shreve, Jefferson [R-IN-6] (R-IN), 2025-03-10T00:00:00.000Z
- Rep. Comer, James [R-KY-1] (R-KY), 2025-03-11T00:00:00.000Z
- Rep. Ogles, Andrew [R-TN-5] (R-TN), 2025-03-21T00:00:00.000Z
- Rep. Walberg, Tim [R-MI-5] (R-MI), 2025-03-21T00:00:00.000Z
- Rep. Gooden, Lance [R-TX-5] (R-TX), 2025-03-24T00:00:00.000Z
- Rep. Bean, Aaron [R-FL-4] (R-FL), 2025-03-24T00:00:00.000Z
- Rep. Hern, Kevin [R-OK-1] (R-OK), 2025-03-24T00:00:00.000Z
- Rep. Cline, Ben [R-VA-6] (R-VA), 2025-03-31T00:00:00.000Z
- Rep. Williams, Roger [R-TX-25] (R-TX), 2025-04-01T00:00:00.000Z
- Rep. Huizenga, Bill [R-MI-4] (R-MI), 2025-04-10T00:00:00.000Z
- Rep. Newhouse, Dan [R-WA-4] (R-WA), 2025-04-10T00:00:00.000Z
- Rep. Stefanik, Elise M. [R-NY-21] (R-NY), 2025-04-10T00:00:00.000Z
- Rep. Sessions, Pete [R-TX-17] (R-TX), 2025-04-10T00:00:00.000Z
- Rep. Wied, Tony [R-WI-8] (R-WI), 2025-05-05T00:00:00.000Z
- Rep. Owens, Burgess [R-UT-4] (R-UT), 2025-05-05T00:00:00.000Z
- Rep. Steube, W. Gregory [R-FL-17] (R-FL), 2025-05-05T00:00:00.000Z
- Rep. Fry, Russell [R-SC-7] (R-SC), 2025-05-05T00:00:00.000Z
- Rep. Donalds, Byron [R-FL-19] (R-FL), 2025-05-05T00:00:00.000Z
- Rep. Timmons, William R. [R-SC-4] (R-SC), 2025-05-05T00:00:00.000Z
- Rep. Wagner, Ann [R-MO-2] (R-MO), 2025-05-05T00:00:00.000Z
- Rep. Haridopolos, Mike [R-FL-8] (R-FL), 2025-05-05T00:00:00.000Z
- Rep. Hinson, Ashley [R-IA-2] (R-IA), 2025-05-13T00:00:00.000Z
- Rep. Miller, Carol D. [R-WV-1] (R-WV), 2025-06-05T00:00:00.000Z
- Rep. Moolenaar, John R. [R-MI-2] (R-MI), 2025-06-05T00:00:00.000Z
- Rep. Nehls, Troy E. [R-TX-22] (R-TX), 2025-06-05T00:00:00.000Z
- Rep. Moore, Blake D. [R-UT-1] (R-UT), 2025-06-05T00:00:00.000Z
- Rep. Crenshaw, Dan [R-TX-2] (R-TX), 2025-06-05T00:00:00.000Z
- Rep. Harshbarger, Diana [R-TN-1] (R-TN), 2025-06-05T00:00:00.000Z
- Rep. Gill, Brandon [R-TX-26] (R-TX), 2025-06-09T00:00:00.000Z
- Rep. Fulcher, Russ [R-ID-1] (R-ID), 2025-06-10T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2025-06-24T00:00:00.000Z
- Rep. Feenstra, Randy [R-IA-4] (R-IA), 2025-07-16T00:00:00.000Z
- Rep. Gimenez, Carlos A. [R-FL-28] (R-FL), 2025-07-16T00:00:00.000Z
- Rep. Wilson, Joe [R-SC-2] (R-SC), 2025-07-16T00:00:00.000Z
- Rep. Evans, Gabe [R-CO-8] (R-CO), 2025-08-26T00:00:00.000Z
- Rep. Rouzer, David [R-NC-7] (R-NC), 2025-08-29T00:00:00.000Z
- Rep. Burchett, Tim [R-TN-2] (R-TN), 2025-08-29T00:00:00.000Z
- Rep. Biggs, Sheri [R-SC-3] (R-SC), 2025-09-02T00:00:00.000Z
- Rep. McDowell, Addison P. [R-NC-6] (R-NC), 2025-09-15T00:00:00.000Z
- Rep. Jackson, Ronny [R-TX-13] (R-TX), 2025-09-15T00:00:00.000Z
- Rep. Grothman, Glenn [R-WI-6] (R-WI), 2025-09-15T00:00:00.000Z
- Rep. Goldman, Craig A. [R-TX-12] (R-TX), 2025-09-15T00:00:00.000Z
- Rep. McGuire, John J. [R-VA-5] (R-VA), 2025-09-15T00:00:00.000Z
- Rep. Fischbach, Michelle [R-MN-7] (R-MN), 2025-10-06T00:00:00.000Z
- Rep. Issa, Darrell [R-CA-48] (R-CA), 2025-10-06T00:00:00.000Z
- Rep. Kelly, Trent [R-MS-1] (R-MS), 2026-10-19T00:00:00.000Z
- Rep. Hamadeh, Abraham J. [R-AZ-8] (R-AZ), 2025-11-20T00:00:00.000Z
- Rep. Simpson, Michael K. [R-ID-2] (R-ID), 2025-12-01T00:00:00.000Z
- Rep. Calvert, Ken [R-CA-41] (R-CA), 2025-12-04T00:00:00.000Z
- Rep. Allen, Rick W. [R-GA-12] (R-GA), 2025-12-09T00:00:00.000Z
- Rep. Jack, Brian [R-GA-3] (R-GA), 2026-01-07T00:00:00.000Z
- Rep. Joyce, David P. [R-OH-14] (R-OH), 2026-02-23T00:00:00.000Z
- Rep. Fallon, Pat [R-TX-4] (R-TX), 2026-03-26T00:00:00.000Z
- Rep. Letlow, Julia [R-LA-5] (R-LA), 2026-04-09T00:00:00.000Z
- Rep. Taylor, David J. [R-OH-2] (R-OH), 2026-04-30T00:00:00.000Z
- Rep. Patronis, Jimmy [R-FL-1] (R-FL), 2026-05-20T00:00:00.000Z
- Rep. Crank, Jeff [R-CO-5] (R-CO), 2026-06-04T00:00:00.000Z
- Rep. Emmer, Tom [R-MN-6] (R-MN), 2026-07-22T00:00:00.000Z
- Rep. Mills, Cory [R-FL-7] (R-FL), 2026-07-22T00:00:00.000Z
- Rep. Cammack, Kat [R-FL-3] (R-FL), 2026-07-22T00:00:00.000Z
- Rep. Alford, Mark [R-MO-4] (R-MO), 2026-07-22T00:00:00.000Z
- Rep. Perry, Scott [R-PA-10] (R-PA), 2026-07-22T00:00:00.000Z
- Rep. Fine, Randy [R-FL-6] (R-FL), 2026-07-30T00:00:00.000Z
- Rep. Norman, Ralph [R-SC-5] (R-SC), 2026-07-30T00:00:00.000Z
- Rep. Houchin, Erin [R-IN-9] (R-IN), 2026-08-03T00:00:00.000Z
- Rep. Webster, Daniel [R-FL-11] (R-FL), 2026-08-03T00:00:00.000Z
- Rep. Thompson, Glenn [R-PA-15] (R-PA), 2026-08-06T00:00:00.000Z
- Rep. Gosar, Paul A. [R-AZ-9] (R-AZ), 2026-08-06T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2026-08-27T00:00:00.000Z
- Rep. Ezell, Mike [R-MS-4] (R-MS), 2026-08-27T00:00:00.000Z
- Rep. Stauber, Pete [R-MN-8] (R-MN), 2026-08-31T00:00:00.000Z
- Rep. Babin, Brian [R-TX-36] (R-TX), 2026-09-01T00:00:00.000Z
- Rep. Westerman, Bruce [R-AR-4] (R-AR), 2026-09-02T00:00:00.000Z
- Rep. Harris, Mark [R-NC-8] (R-NC), 2026-09-02T00:00:00.000Z
- Rep. Bresnahan, Robert P. [R-PA-8] (R-PA), 2026-09-03T00:00:00.000Z
- Rep. Miller, Max L. [R-OH-7] (R-OH), 2026-09-08T00:00:00.000Z
- Rep. Moore, Riley M. [R-WV-2] (R-WV), 2026-09-08T00:00:00.000Z
- Rep. Reschenthaler, Guy [R-PA-14] (R-PA), 2026-09-08T00:00:00.000Z
- Rep. Moran, Nathaniel [R-TX-1] (R-TX), 2026-09-08T00:00:00.000Z
- Rep. Bilirakis, Gus M. [R-FL-12] (R-FL), 2026-09-08T00:00:00.000Z
- Rep. Cloud, Michael [R-TX-27] (R-TX), 2026-09-10T00:00:00.000Z
- Rep. Luna, Anna Paulina [R-FL-13] (R-FL), 2026-09-10T00:00:00.000Z
- Rep. Hunt, Wesley [R-TX-38] (R-TX), 2026-09-10T00:00:00.000Z
- Rep. Fleischmann, Charles J. "Chuck" [R-TN-3] (R-TN), 2026-09-10T00:00:00.000Z
- Rep. Guest, Michael [R-MS-3] (R-MS), 2026-09-10T00:00:00.000Z
- Rep. Van Orden, Derrick [R-WI-3] (R-WI), 2026-09-10T00:00:00.000Z
- Rep. Kelly, Mike [R-PA-16] (R-PA), 2026-09-10T00:00:00.000Z
- Rep. Joyce, John [R-PA-13] (R-PA), 2026-09-10T00:00:00.000Z
- Rep. Balderson, Troy [R-OH-12] (R-OH), 2026-09-10T00:00:00.000Z
- Rep. Miller, Mary E. [R-IL-15] (R-IL), 2026-09-10T00:00:00.000Z
- Rep. Van Epps, Matt [R-TN-7] (R-TN), 2026-09-10T00:00:00.000Z
- Rep. Brecheen, Josh [R-OK-2] (R-OK), 2026-09-10T00:00:00.000Z
- Rep. Murphy, Gregory F. [R-NC-3] (R-NC), 2026-09-14T00:00:00.000Z
- Rep. Rulli, Michael A. [R-OH-6] (R-OH), 2026-09-14T00:00:00.000Z
- Rep. Zinke, Ryan K. [R-MT-1] (R-MT), 2026-09-14T00:00:00.000Z
- Rep. Fedorchak, Julie [R-ND-At Large] (R-ND), 2026-09-14T00:00:00.000Z
- Rep. Moore, Tim [R-NC-14] (R-NC), 2026-09-14T00:00:00.000Z
- Rep. Davidson, Warren [R-OH-8] (R-OH), 2026-09-14T00:00:00.000Z
- Rep. Knott, Brad [R-NC-13] (R-NC), 2026-09-15T00:00:00.000Z
- Rep. Carter, John R. [R-TX-31] (R-TX), 2026-09-15T00:00:00.000Z
- Rep. Tiffany, Thomas P. [R-WI-7] (R-WI), 2026-09-15T00:00:00.000Z
- Rep. Griffith, H. Morgan [R-VA-9] (R-VA), 2026-09-15T00:00:00.000Z
- Rep. McClain, Lisa C. [R-MI-9] (R-MI), 2026-09-16T00:00:00.000Z
- Rep. Nunn, Zachary [R-IA-3] (R-IA), 2026-09-16T00:00:00.000Z
- Rep. Rose, John W. [R-TN-6] (R-TN), 2026-09-16T00:00:00.000Z
- Rep. Biggs, Andy [R-AZ-5] (R-AZ), 2026-09-16T00:00:00.000Z
- Rep. Johnson, Dusty [R-SD-At Large] (R-SD), 2026-09-21T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2026-09-24T00:00:00.000Z
- Rep. Luttrell, Morgan [R-TX-8] (R-TX), 2026-09-24T00:00:00.000Z

## Provisions PRIA read

- Card networks barred from blocking customers: benefit, high. If enacted, payment card networks and related firms could not block or limit a lawful person from getting network services because of political or reputational risk. The rule would cover networks, subsidiaries, agents, processors, and licensed members when the person is complying with the law. The…
- Limits on very large banks' access: benefit, high. If enacted, member banks and some state banks or credit unions that refuse to do business with lawful persons could lose access to key infrastructure. Member banks with more than $50 billion in assets could be barred from the Federal Reserve discount window if they refuse lawful customers. Banks an…
- New fair-access rules for banks: benefit, high. If enacted, a bank with $50 billion or more in assets would be presumed a 'covered bank'. Banks could submit papers to the Office of the Comptroller to rebut that presumption. Covered banks would have to offer each service to people in their market on proportionally equal terms and could only deny…

## Related bills

- 119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025
- 119-hr-425: Repealing Big Brother Overreach Act
- 119-hr-45: FIND Act
- 119-hres-719: Honoring the life and legacy of Charles Charlie James Kirk.
- 119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act
- 119-hr-703: Main Street Tax Certainty Act

## Sources
- [119-hr-987 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/987)

## Related
- [119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025](https://policyrisk.com/legislation/119-hr-38)
- [119-hr-425: Repealing Big Brother Overreach Act](https://policyrisk.com/legislation/119-hr-425)
- [119-hr-45: FIND Act](https://policyrisk.com/legislation/119-hr-45)
- [119-hres-719: Honoring the life and legacy of Charles Charlie James Kirk.](https://policyrisk.com/legislation/119-hres-719)
- [119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1628)
- [119-hr-703: Main Street Tax Certainty Act](https://policyrisk.com/legislation/119-hr-703)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-987 (as of 2026-10-21).