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S. 401119th CongressFinance and Financial Sector
Fair Access to Banking Act
Sponsored by Sen. Kevin Cramer (R-ND) · 47 active : 47 Republicans
Latest action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Where it standsBefore the Senate12 senators score as swing votes
Hasn’t passed either chamber
- Senate: next
- House: not yet
- President: not yet
Summary
, via Congress.govFair 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.
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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.
The bill establishes the right for a person to bring a civil action for a violation of this bill.
Committees and subjects
Committees
- Senate Committee on Banking, Housing, and Urban Affairs · SenateReferred to
Subjects
No legislative subjects recorded yet. Similar-vote matching falls back to the policy area.
Model
Directional: count only breaks toward the other partyWhy do scores change?v3default (selected)v2 model swing-v2
How the Senate breaks down
- 12Swing 70–100
- 32Middle 30–70
- 56Entrenched 0–30
Members fall into . All 100 senators have enough data to score.
Key players in the Senate
Ranked by swing score, 0–100 · swing-v3, directional: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.
Bars show each input from 0 to 100: ideology gap, scorecard gap, , and the . is the seat’s partisan lean, and shows how much of the input data a score has.
Similar past votes, Senate
Earlier behind swing-v3’s inputLoading similar votes
Cosponsors
47 activeShow all 47 cosponsors
- Bernie Moreno (R-OH)
- Bill Cassidy (R-LA)
- Bill Hagerty (R-TN)
- Cindy Hyde-Smith (R-MS)
- Cynthia M. Lummis (R-WY)
- Dan Sullivan (R-AK)
- David McCormick (R-PA)
- Deb Fischer (R-NE)
- Eric Schmitt (R-MO)
- James C. Justice (R-WV)
- James E. Risch (R-ID)
- James Lankford (R-OK)
- Jerry Moran (R-KS)
- Jim Banks (R-IN)
- John Barrasso (R-WY)
- John Boozman (R-AR)
- John Cornyn (R-TX)
- John Hoeven (R-ND)
- John Kennedy (R-LA)
- John R. Curtis (R-UT)
How the swing score works
Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.
Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.
Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.
Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.
Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.
Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.
