I 
113TH CONGRESS 
1ST SESSION H. R. 2652 
To create protections for depository institutions that provide financial services 
to marijuana-related businesses. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 10, 2013 
Mr. PERLMUTTER (for himself, Mr. HECK of Washington, Mr. MCDERMOTT, 
Mr. BLUMENAUER, Mr. POLIS, Mr. SMITH of Washington, Mr. FARR, 
Mr. KILMER, Mr. MORAN, Ms. NORTON, Mr. CAPUANO, Ms. DELBENE, 
Mr. COFFMAN, Ms. DEGETTE, Mr. DEFAZIO, Mr. LOWENTHAL, Ms. PIN-
GREE of Maine, Mr. ROHRABACHER, and Ms. SCHAKOWSKY) introduced 
the following bill; which was referred to the Committee on Financial Serv-
ices, and in addition to the Committee on the Judiciary, for a period to 
be subsequently determined by the Speaker, in each case for consider-
ation of such provisions as fall within the jurisdiction of the committee 
concerned 
A BILL 
To create protections for depository institutions that provide 
financial services to marijuana-related businesses. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Marijuana Businesses 
Access to Banking Act of 2013’’. 
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SEC. 2. SAFE HARBOR FOR DEPOSITORY INSTITUTIONS. 
A Federal banking regulator may not— 
(1) terminate or limit the deposit insur-
ance of a depository institution under the Fed-
eral Deposit Insurance Act (12 U.S.C. 1811 et 
seq.) solely because the depository institution 
provides or has provided financial services to a 
marijuana-related legitimate business; 
(2) prohibit, penalize, or otherwise discour-
age a depository institution from providing fi-
nancial services to a marijuana-related legiti-
mate business; 
(3) recommend, incentivize, or encourage a 
depository institution not to offer financial serv-
ices to an individual, or to downgrade or cancel 
the financial services offered to an individual 
solely because— 
(A) the individual is a manufacturer 
or producer, or is the owner or operator of 
a marijuana-related legitimate business; 
(B) the individual later becomes an 
owner or operator of a marijuana-related 
legitimate business; or 
(C) the depository institution was not 
aware that the individual is the owner or 
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operator of a marijuana-related legitimate 
business; and 
(4) take any action on a loan to an owner 
or operator of— 
(A) a marijuana-related legitimate 
business; or 
(B) real estate or equipment that is 
leased to a marijuana-related legitimate 
business. 
SEC. 3. PROTECTIONS UNDER FEDERAL LAW. 
(a) INVESTIGATION AND PROSECUTION.—A deposi-
tory institution that provides financial services to a mari-
juana-related legitimate business, and the officers, direc-
tors, and employees of that depository institution, shall be 
immune from Federal criminal prosecution or investiga-
tion for providing those services. 
(b) FEDERAL CRIMINAL LAW.—A depository institu-
tion that provides financial services to a marijuana-related 
legitimate business may not be held liable pursuant to any 
Federal criminal law solely for providing those services or 
for further investing any income derived from such serv-
ices. 
(c) FORFEITURE.—A depository institution that has 
a legal interest in the collateral for a loan made to an 
owner or operator of a marijuana-related legitimate busi-
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