Recently, we have seen a flurry of congressional and executive activity on the issue of nondiscrimination in banking. In October 2020, Senators Warren and Booker, along with other Democratic senators, introduced the Fair Access to Financial Services Act of 2020. This bill seeks to prevent discrimination in banking based on “race, color, religion, national origin, and sex (including sexual orientation and gender identity).” In November 2020, the Office of the Comptroller of the Currency (“OCC”) issued a proposed rule to promote fair trade banking by prohibiting discrimination against customers who are members of legal but disfavored groups. The Fair Access to Bank Services Rule codifies more than a decade of OCC guidance advising that banks should conduct an individualized risk assessment of customers rather than making broad-based decisions affecting whole categories or classes of customers when provisioning access to services, capital and credit. The OCC finalized the Rule on Jan. 14, 2021, and it was scheduled to take effect on April 1, 2021.