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Financial Access Protection Act
To prohibit covered financial institutions from collecting, maintaining, and disclosing information relating to the citizenship status and immigration status of consumers, and for other purposes.
Summary
This bill prohibits financial institutions from collecting, maintaining, or disclosing information about consumers' citizenship or immigration status. The bill also prohibits federal banking regulators from requiring or encouraging financial institutions to collect such information or conditioning their regulatory decisions on whether institutions collect or report this information. The legislation defines covered financial institutions broadly to include banks, credit unions, consumer reporting agencies, and their subsidiaries. The bill includes exceptions to allow financial institutions to comply with Bank Secrecy Act requirements and to report information related to preventing financial crimes such as money laundering, terrorist financing, and sanctions violations.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
Actions (2)
- Apr 30, 2026 Referred to the House Committee on Financial Services. · house
- Apr 30, 2026 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Full text
IN THE HOUSE OF REPRESENTATIVES
April 30, 2026
Mr. Torres of New York introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To prohibit covered financial institutions from collecting, maintaining, and disclosing information relating to the citizenship status and immigration status of consumers, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Financial Access Protection Act”.
SEC. 2. PROHIBITION ON COLLECTION OF CITIZENSHIP OR IMMIGRATION STATUS INFORMATION.
(a) In General.—Notwithstanding any other provision of law, a covered financial institution may not—
(1) require a consumer or prospective consumer to disclose their citizenship status or immigration status as a condition of opening, maintaining, or accessing an account or financial service offered by such covered financial institution;
(2) request, collect, record, retain, maintain, or otherwise obtain information relating to the citizenship status or immigration status of a consumer; or
(3) transmit, report, disclose, or otherwise make available information relating to the citizenship status or immigration status of a consumer available to any Federal agency or other governmental entity.
(b) Prohibition on Regulatory Action.—No appropriate Federal banking agency may, by regulation, rule, order, guidance, supervisory expectation, examination procedure, informal request, or otherwise—
(1) require or encourage a covered financial institution to collect or maintain information regarding the citizenship status or immigration status of a consumer; or
(2) condition supervisory ratings, enforcement decisions, approvals, or other regulatory determinations on the collection or reporting of information about the citizenship status or immigration status of a consumer.
(c) Enforcement.—Each appropriate Federal banking agency shall enforce this section with respect to covered financial institutions.
(d) Covered Financial Institution Defined.—In this section:
(1) Appropriate federal banking agency.—The term “appropriate Federal banking agency” has the meaning given the term in section 3 of the Federal Deposit Insurance Act.
(2) Covered financial institution.—The term “covered financial institution” means—
(A) an insured depository institution (as such term is defined in section 3 of the Federal Deposit Insurance Act);
(B) an insured credit union (as defined in section 101 of the Federal Credit Union Act) or any credit union regulated by the National Credit Union Administration;
(C) a consumer reporting agency (as such term is defined in section 603 of the Fair Credit Reporting Act);
(D) a national bank or Federal savings association supervised by the Office of the Comptroller of the Currency;
(E) a State member bank supervised by the Board of Governors of the Federal Reserve System;
(F) a State nonmember bank supervised by the Federal Deposit Insurance Corporation;
(G) a bank holding company or savings and loan holding company supervised by the Board of Governors of the Federal Reserve System; and
(H) a subsidiary or affiliate thereof that is subject to examination or supervision by a Federal banking agency.
(e) Rule of Construction.—Nothing in this section may be construed to—
(1) alter or limit the any obligations a covered financial institution has under the Bank Secrecy Act (as such term is defined in section 6003 of the Anti-Money Laundering Act of 2020); or
(2) prevent covered financial institutions from complying with Federal, State, or local reporting requirements relating to the prevention of financial crimes including money laundering, terrorist financing, and compliance with sanctions. <all>
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