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H.R. 189 116th Congress House

Financial Institution Customer Protection Act of 2019

Official title: To provide requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, and for other purposes.

Introduced: January 3, 2019 See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresAsiaBank accounts, deposits, capitalBanking and financial institutions regulation
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Business recordsCongressional oversightConsumer affairsDepartment of the TreasuryEvidence and witnessesFederal Deposit Insurance Corporation (FDIC)Federal Reserve SystemGovernment information and archivesIranJudicial procedure and administrationMiddle EastNational Credit Union AdministrationNorth KoreaSyriaTerrorism
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jan 3, 2019
Referred to the House Committee on Financial Services.
Jan 3, 2019
Introduced in House
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 Latest action January 3, 2019

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Financial Institution Customer Protection Act of 2019

This bill specifies that a federal banking agency may not request or order a depository institution to terminate a customer account unless (1) the agency has a valid reason for doing so, and (2) that reason is not based solely on reputation risk.

Valid reasons for terminating an account include threats to national security and involvement in terrorist financing, including state sponsorship of terrorism.

A federal banking agency requesting a termination must provide the depository institution with notification and justification.

 Related & companion bills 2
  • S 3003 Financial Institution Customer Protection Act of 2019
  • HR 6800 The Heroes Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 189: Financial Institution Customer Protection Act of 2019. 116th Congress. Open America. https://openamerica.io/bill/116-HR-189/
MLA
"H.R. 189: Financial Institution Customer Protection Act of 2019." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-189/.
Bluebook (legal)
H.R. 189, 116th Cong. (2026), https://openamerica.io/bill/116-HR-189/.
Markdown link
[H.R. 189: Financial Institution Customer Protection Act of 2019](https://openamerica.io/bill/116-HR-189/)
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