; and (3) by inserting after clause (iii) the following: (iv) an insured depository institution with more than $10,000,000,000 in total consolidated refuses to do business with any person licensed under section 923 of title 18, United States Code, who is in compliance with the law, based on concerns other than traditional underwriting and credit considerations (as defined in section 10B(c) of the Federal Reserve Act ( 12 U.S.C. 347b(c) )), . 4. Payment card network (a) Definition In this section, the term payment card network has the meaning given the term in section 921(c) of the Electronic Fund Transfer Act ( 15 U.S.C. 1693o–2(c) ). (b) Prohibition No payment card network may, directly or through any agent, processor, or licensed member of the network, by contract, requirement, condition, penalty, or otherwise, prohibit or inhibit the ability of any person licensed under section 923 of title 18, United States Code, who is in compliance with the law, to obtain access to services or products of the payment card network because of political or reputational considerations. (c) Civil penalty Any payment card network that violates subsection (b) shall be assessed a civil penalty of not more than 10 percent of the value of the services or products described in that subsection, not to exceed $10,000 per violation. 5. Credit unions (a) Advances to credit unions Section 13 of the Federal Reserve Act ( 12 U.S.C. 342 ) is amended by inserting Provided further, That no such nonmember bank or trust company with more than $10,000,000,000 in total consolidated assets may refuse to do business with any person licensed under section 923 of title 18, United States Code, who is in compliance with the law, based on concerns other than traditional underwriting and credit considerations, as defined in section 10B(c): after appropriate: . (b) Revocation of NCUA insurance Section 206(b)(1) of the Federal Credit Union Act ( 12 U.S.C. 1786 ) is amended by inserting or is refusing or has refused to do business with any person licensed