S.401 - Fair Access to Banking Act

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I sent a slightly tweaked version of this to my representatives:

Dear [name],

I’m writing to you regarding the current language in Senate Bill 401, the “Accountability for Debanking Act.” I appreciate that as it stands, the language does acknowledge the issue of financial deplatforming, but it doesn't go far enough to meaningfully protect individuals and small businesses from being excluded from essential financial services without transparency, accountability, or recourse.

The bill focuses primarily on banks, but they aren't the real gatekeepers of online commerce.; it's payment processors, underwriting banks, card networks (Visa, Mastercard, etc.), and other financial intermediaries. These entities operate with opaque internal policies and overlapping contracts that give them unchecked power to deny or terminate services. When this happens, users often have no explanation, no ability to appeal, and no legal remedy.

Furthermore, the bill proposes enforcement via the Office of the Comptroller of the Currency (OCC), with potential fines of up to $10,000. This mechanism is functionally useless. The Supreme Court recently ruled that administrative law judges cannot constitutionally impose such fines. Even if enforceable, the OCC would retain full discretion on whether to act. History shows that this discretion, over and over again, has resulted in no action being taken.

“Liberty must at all hazards be supported. We have a right to it, derived from our Maker. But if we had not, our fathers have bought it for us with their ease, their estates, their pleasure, and their blood.”
— John Adams, 1765

If Congress is serious about protecting hard-working Americans from arbitrary and politically motivated financial exclusion, S.401 must include:
  1. A federal civil cause of action with statutory damages and attorney’s fees, so affected individuals and businesses can pursue justice and accountability directly in court.
  2. Review and rollback of PATRIOT Act-era policies that deputize private financial services as de facto law enforcement without due process or transparency.
  3. Specific regulation of payment processors and card networks, not just banks, with clear rules about service denial, cancellation, mandatory explanation and appeal rights.
As we increasingly rely on digital payment infrastructure, exclusion from these systems effectively locks people out of participation in the economy, and by extension, society. There are vanishingly small number of* jobs that pay exclusively in cash, landlords that accept cash only payments, even stores are increasingly not accepting cash. I am afraid of what this type of desperation would drive otherwise law-abiding citizens to do, for the non-crime of holding unpopular or unsavory opinions.

We cannot accept this in a democratic society that purports to uphold the constitution. I urge you to demand amendments to S.401 that will give it real enforcement power and ensure all Americans are protected from financial censorship and discrimination.

I hope you’ll stand up for transparency, fairness, and the right of every American to participate in the modern economy.

Yours sincerely,
(name)
 
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gender issues aside, we've recently seen that the only way to get the average normie to enact change or to force politicians to actually pay attention to an issue is to either make a scapegoat out of an annoying asshole that even normies can safely hate (pirate software) or possibly to point to a sympathetic victim. Null Josh Feeder is the exact opposite of a sympathetic victim to the local normie. He's the local doxxing boogeyman with jokes about what? Fat and pony fetishes?

You would have to have someone so unironically beneficial to society get butt fucked by payment processors to get people to give a fuck. I've seen people turn against their local governments and police over a squirrel getting fucking killed, the owner doing nothing but farming his social media with that squirrel and supposedly using the profits to help animals but still the outrage died down somewhat quickly as normies' attention span is about as long as it takes for someone politibrained to derail a thread. Frustratingly quickly.
 
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Why...why...

WHY DID I GO WITH BOFA? I WAS ONLY 16 YEARS OLD AT THE TIME!! THEIR COLLEGE SAVINGS SHIT LOOKED SO APPEALING!

FmOd7ICXgAI72-l.webp

will read and attempt to process and give a shit when sober. godspeed null
 
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Lidl Drip said:
I mean that's apparently the demographic that's being appealed to here while completely alienating a large demographic that was already on Null's side about this issue but will read the word "holes" to refer to women and click off because it's entirely unnecessary and obvious pandering to a certain demographic
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The Australian miserygolem femikikes calling for games like SCP containment breach to be banned from being sold because the statue monster has a big head, absolutely are retarded holes and so are you for defending them.
 
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Null said:
"Why does a small activist group in Australia have the means to boss around the largest video game retailer the world has ever seen?". The answer is the payment networks.
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We should also be asking why would payment networks turn down free money.

I think the only logical reason they would do this is to set the groundwork for further de-banking and de-monetising to shape social and political discourse. The question then is what social and political change are they setting the groundwork for?
 
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RandyMiskatonic said:
O Great and Mighty Jesu Mon, you're going to have to come to grips that Things do not improve, especially when it involves the (((Payment Processors))). Why on Earth would you ever expect anything good to happen, ever? In what kind of parallel universe did you Isekai into where this even could have been the case?
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I've said this before and I'll say it again: if we're going to go down thanks to these payment processors, at least we're dragging the lolicons and other such degenerates to hell with us.
 
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CatharticShitHead said:
gender issues aside, we've recently seen that the only way to get the average normie to enact change or to force politicians to actually pay attention to an issue is to either make a scapegoat out of an annoying asshole that even normies can safely hate (pirate software) or possibly to point to a sympathetic victim. Null Josh Feeder is the exact opposite of a sympathetic victim to the local normie. He's the local doxxing boogeyman with jokes about what? Fat and pony fetishes?
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We need a poor black man who is half-retarded in his swamp shack to make a gossip forum and state that he hates transsexuals but that's due to his catholic upbringing. After he goes though The Moon(™) treatment, he needs a few journalists to write about him.

I asked the Root if they wanted to do this and they said no.
 
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Symbol of the Chud said:
Oh wait, they actually could help do that too if they just fuckin demonitized everyone involved in NGOs and companies that do shit like bringing retarded third world rapists into western countries.
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I think the games are gay and lame, but they aren't the real problem, obviously. This is just a way to make it look like they care. If they really did, they'd be doing all this shit instead of going after literal slop games made for porn brained retards. I feel that those porn brained retards are too fat and quite possibly retarded to do any real damage compared to the literal hordes of 3rd worlders willing to rape and murder not just white women, but their own women
 
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George Lucas said:
Why do we only hear about censorship requests from Visa and MasterCard? What are Amex and Discover doing?
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They're more interested in savings and investments.

Come the purge, they might survive (for a bit) but the big two will be yeeted.

I know that Arron Banks (Reform UK financer) was on about creating his own Bank and Payment System in 2019... maybe that could be the start...
 
Excuse me while I just paste this here.

Tarlach said:
Seen this making some rounds, so I'm posting it here for U.S users.

https://www.congress.gov/bill/119th-congress/senate-bill/401
This bill cracks down on behavior of payment processors, making it heavily penalized and unlawful to restrict payment processing and banking services to lawful businesses and products.


Template to send your local senators below, Find your senators here: https://www.senate.gov/senators/senators-contact.htm

--Template--
Subject: Support for S.401 - Protecting Lawful Access to Financial Services Act

Dear [Senator/Representative] [Last Name],

I hope this message finds you well.

I am writing to express my strong support for S.401, the Protecting Lawful Access to Financial Services Act. This legislation addresses a deeply concerning trend I’ve observed in recent years: the increasing willingness of financial institutions and payment processors, such as Visa and Mastercard, to act as de facto regulators by restricting access to financial services for individuals and businesses engaged in lawful commerce.

Time and time again, we've seen payment processors refuse service to creators, artists, and businesses simply because their products or services are viewed as controversial or "objectionable", even when no laws have been broken. Most recently, this has extended to the digital gaming space, where storefronts are being pressured to remove content that, while sometimes controversial, remains fully legal. This selective denial of service is often justified using vague and subjective terms like "reputational risk," but in practice it functions as a mechanism for enforcing arbitrary ideological standards.

These actions pose a direct threat to free expression and economic liberty. No unelected financial entity should have the power to dictate what legal goods and services the American public may access. This kind of financial gatekeeping chills speech, harms livelihoods, and undermines the very principles of due process and democratic accountability.

I respectfully urge you to support this bill and defend the right of all Americans to participate in the economy without fear of being blacklisted by private actors for engaging in lawful activity. This legislation is a critical step toward restoring fairness and neutrality to our financial system.

Thank you for your time and attention to this matter.

Sincerely,
[Your Full Name]
[Your City, State]
[Optional: Email / Phone Number]
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