; (4) the term media of mass communications has the meaning given the term in section 309(i)(3)(C) of the Communications Act of 1934 ( 47 U.S.C. 309(i)(3)(C) ); and (5) the term non-legal jurisdiction means— (A) a State in which the purchase of marijuana is prohibited under State law; or (B) Indian country in which the purchase of marijuana is prohibited under the law of the Indian tribe that has jurisdiction over the Indian country. . 204. Access to banking (a) Definitions In this section— (1) the term Federal banking regulator means each of the Board of Governors of the Federal Reserve System, the Bureau of Consumer Financial Protection, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the National Credit Union Administration, or any Federal agency or department that regulates banking or financial services, as determined by the Secretary of the Treasury; (2) the term financial service means a financial product or service as defined in section 1002 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5481 ); (3) the term manufacturer means a person who manufactures, compounds, converts, processes, prepares, or packages marijuana or marijuana products; (4) the term producer means a person who plants, cultivates, harvests, or in any way facilitates the natural growth of marijuana. (b) Safe harbor for depository institutions A Federal banking regulator may not— (1) terminate or limit the deposit insurance of a depository institution under the Federal Deposit Insurance Act ( 12 U.S.C. 1811 et seq.) or the Federal Credit Union Act ( 12 U.S.C. 1751 et seq.) solely because the depository institution provides or has provided financial services to a marijuana-related business; (2) prohibit, penalize, or otherwise discourage a depository institution from providing financial services to a marijuana-related business