; or (B) any credit union that is eligible to make application to become an insured credit union under section 201 of the Federal Credit Union Act ( 12 U.S.C. 1781 ). (2) Member bank The term member bank has the meaning given the term in the third undesignated paragraph of the first section of the Federal Reserve Act ( 12 U.S.C. 221 ). (b) Prohibition No covered credit union or member bank with more than $10,000,000,000 in total consolidated assets may use the Automated Clearing House Network if that member bank 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) ), as added by section 3(a) of this Act.