; and (B) to provide recommended best practices for financial institutions to follow when providing financial services and merchant processing services to businesses involved in the sale of hemp, hemp-derived CBD products, and other hemp-derived cannabinoid products. (3) Financial institution defined In this section, the term financial institution means any person providing financial services. (l) Application of safe harbors to hemp and CBD products (1) In general Except as provided under paragraph (2), the provisions of this section (other than subsections (f) and (j)) shall apply to hemp (including hemp-derived cannabidiol and other hemp-derived cannabinoid products) in the same manner as such provisions apply to cannabis. (2) Rule of application In applying the provisions of this section described under paragraph (1) to hemp, the definition of cannabis-related legitimate business shall be treated as excluding any requirement to engage in activity pursuant to the law of a State or political subdivision thereof. (3) Hemp defined In this subsection, the term hemp has the meaning given that term under section 297A of the Agricultural Marketing Act of 1946 ( 7 U.S.C. 1639o ). (m) Requirements for deposit account termination requests and orders (1) Termination requests or orders must be valid (A) In general An appropriate Federal banking agency may not formally or informally request or order a depository institution to terminate a specific customer account or group of customer accounts or to otherwise restrict or discourage a depository institution from entering into or maintaining a banking relationship with a specific customer or group of customers unless— (i) the agency has a valid reason for such request or order; and (ii) such reason is not based solely on reputation risk. (B) Treatment of national security threats If an appropriate Federal banking agency believes a specific customer or group of customers is, or is acting as a conduit for, an entity which— (i) poses a threat to national security