; (4) ensure that persons involved in politically unpopular businesses but that are lawful under Federal law receive fair access to financial services under the law; and (5) ensure financial institutions operate in a safe and sound manner by making judgments and decisions about whether to provide a customer with financial services on an impartial, individualized risk-based analysis using empirical data evaluated under quantifiable standards. 4. Advances to individual member banks (a) Member banks Section 10B of the Federal Reserve Act ( 12 U.S.C. 347b ) is amended by adding at the end the following: (c) Prohibition on use of discount window lending programs No member bank with more than $100,000,000,000 in total consolidated assets, or subsidiary of the member bank, may use a discount window lending program if the member bank or subsidiary refuses to do business with any person who is in compliance with the law, including section 8 of the Fair Access to Banking Act . . (b) Insured depository institutions Section 8(a)(2)(A) of the Federal Deposit Insurance Act ( 12 U.S.C. 1818(a)(2)(A) ) is amended— (1) in clause (ii), by striking or at the end; (2) in clause (iii), by striking the comma at the end and inserting ; or