II 

117TH CONGRESS 

2D SESSION S. 4619 

To provide that all persons shall be entitled to the full and equal enjoyment 

of the goods, services, facilities, privileges, and accommodations of financial institutions. 

IN THE SENATE OF THE UNITED STATES 

JULY 26, 2022 

Mr. BROWN (for himself, Mr. MENENDEZ, Ms. CORTEZ MASTO, Mr. BOOKER, 

Mr. VAN HOLLEN, Ms. SMITH, Ms. WARREN, Mr. WARNOCK, Mr. SANDERS, Mrs. GILLIBRAND, Mr. PADILLA, Ms. DUCKWORTH, Mr. MERKLEY, 

Mr. WHITEHOUSE, Mr. MARKEY, Ms. BALDWIN, Mrs. FEINSTEIN, Mr. 

WYDEN, and Mr. LUJA ́N) introduced the following bill; which was read 

twice and referred to the Committee on Banking, Housing, and Urban 

Affairs 

A BILL 

To provide that all persons shall be entitled to the full 

and equal enjoyment of the goods, services, facilities, 

privileges, and accommodations of financial institutions. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Fair Access to Finan5 cial Services Act of 2022’’. 


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1 SEC. 2. FINANCIAL INSTITUTIONS. 

2 (a) IN GENERAL.—All persons shall be entitled to the 

3 full and equal enjoyment of the goods, services, facilities, 

4 privileges, and accommodations of any financial institu5 tion, as defined in section 803 of the Payment, Clearing, 

6 and Settlement Supervision Act of 2010 (12 U.S.C. 5462), 

7 without discrimination on the ground of race, color, reli8 gion, national origin, and sex (including sexual orientation 

9 and gender identity). 

10 (b) PRIVATE RIGHT OF ACTION.— 

11 (1) IN GENERAL.—Whenever any person has 

12 engaged or there are reasonable grounds to believe 

13 that any person is about to engage in any act or 

14 practice prohibited by subsection (a), a civil action 

15 for preventive relief, including an application for a 

16 permanent or temporary injunction, restraining 

17 order, or other order, may be instituted by the per18 son aggrieved. 

19 (2) COSTS.—In any action commenced pursu20 ant to this section, the court, in its discretion, may 

21 allow the prevailing party, other than the United 

22 States, a reasonable attorney’s fee as part of the 

23 costs, and the United States shall be liable for costs 

24 the same as a private person. 

25 (3) JURISDICTION.—The district courts of the 

26 United States shall have jurisdiction of proceedings 


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1 instituted pursuant to this section and shall exercise 

2 the same without regard to whether the aggrieved 

3 party shall have exhausted any administrative or 

4 other remedies that may be provided by law. 

5 (4) EXCLUSIVE MEANS.—The remedies pro6 vided in this subsection shall be the exclusive means 

7 of enforcing the rights based on this section, but 

8 nothing in this section shall preclude any individual 

9 or any State or local agency from asserting any 

10 right based on any other Federal or State law not 

11 inconsistent with this section, including any statute 

12 or ordinance requiring nondiscrimination in goods, 

13 services, facilities, privileges, and accommodations of 

14 any financial institution, or from pursuing any rem15 edy, civil or criminal, which may be available for the 

16 vindication or enforcement of such right. 

Æ 


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