,,ii  #aaith ,,congress  #b;d ,session  
,s4 #ddej  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,april #cj1    
#bjbf,ms4 ,alsobrooks introduced the    
following bill2 which was read twice and
 referred to the ,committee on ,banking1
 ,housing1 and ,urban ,affairs  ,a      
,,bill  ,to prohibit covered financial  
institutions from collecting1           
maintaining1 and disclosing information 
relating to the citizenship status and  
immigration status of consumers1 and for
 other purposes4  #a4 ,short title ,this
 ,act may be cited as the ,financial    
,access ,protection ,act4  #b4          
,definitions ,in this ,act3 7#a7        
,appropriate ,federal banking agency2   
insured depository institution ,the     
terms appropriate ,federal banking      
agency and insured depository           
institution have the meanings given the 
terms in section #c of the ,federal     
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahac74  7#b7 ,bank ,secrecy ,act ,the  
term ,bank ,secrecy ,act has the meaning

 given the term in section #fjjc of the 
,anti-,money ,laundering ,act of #bjbj  
7#ca ,u4,s4,c4 #ecaa note74  7#c7       
,consumer reporting agency ,the term    
consumer reporting agency has the       
meaning given the term in section #fjc  
of the ,fair ,credit ,reporting ,act    
7#ae ,u4,s4,c4 #afha;a74  7#d7 ,covered 
financial institution ,the term covered 
financial institution means-- 7,a7 an   
insured depository institution2  7,b7 an
 insured credit union or any credit     
union regulated by the ,national ,credit
 ,union ,administration2  7,c7 a        
consumer reporting agency2  7,d7 a      
national bank or ,federal savings       
association supervised by the ,office of
 the ,comptroller of the ,currency2     
7,e7 a ,state member bank supervised by 
the ,board of ,governors of the ,federal
 ,reserve ,system2  7,f7 a ,state       
nonmember bank supervised by the        
,federal ,deposit ,insurance            
,corporation2  7,g7 a bank holding      
company or savings and loan holding     

company supervised by the ,board of     
,governors of the ,federal ,reserve     
,system2 and  7,h7 a subsidiary or      
affiliate thereof that is subject to    
examination or supervision by a ,federal
 banking agency4  7#e7 ,insured credit  
union ,the term insured credit union has
 the meaning given the term in section  
#aja of the ,federal ,credit ,union ,act
 7#ab ,u4,s4,c4 #ageb74  #c4            
,prohibition on collection of           
citizenship or immigration status       
information  7a7 ,in general            
,notwithstanding any other provision of 
law1 a covered financial institution may
 not-- 7#a7 require a consumer or       
prospective consumer to disclose their  
citizenship status or immigration status
 as a condition of opening1 maintaining1
 or accessing an account or financial   
service offered by such covered         
financial institution2  7#b7 request1   
collect1 record1 retain1 maintain1 or   
otherwise obtain information relating to
 the citizenship status or immigration  

status of a consumer2 or  7#c7 transmit1
 report1 disclose1 or otherwise make    
available information relating to the   
citizenship status or immigration status
 of a consumer available to any ,federal
 agency or other governmental entity4   
7b7 ,prohibition on regulatory action   
,no appropriate ,federal banking agency 
may1 by regulation1 rule1 order1        
guidance1 supervisory expectation1      
examination procedure1 informal request1
 or otherwise-- 7#a7 require or         
encourage a covered financial           
institution to collect or maintain      
information regarding the citizenship   
status or immigration status of a       
consumer2 or  7#b7 condition supervisory
 ratings1 enforcement decisions1        
approvals1 or other regulatory          
determinations on the collection or     
reporting of information about the      
citizenship status or immigration status
 of a consumer4  7c7 ,enforcement ,each 
appropriate ,federal banking agency     
shall enforce this section with respect 

to covered financial institutions4  7d7 
,rule of construction ,nothing in this  
section may be construed to-- 7#a7 alter
 or limit the any obligations a covered 
financial institution has under the     
,bank ,secrecy ,act2 or  7#b7 prevent   
covered financial institutions from     
complying with ,federal1 ,state1 or     
local reporting requirements relating to
 the prevention of financial crimes     
including money laundering1 terrorist   
financing1 compliance with sanctions4