II 118th CONGRESS 1st Session S. 245 IN THE SENATE OF THE UNITED STATES February 2, 2023 Mr. Cruz (for himself, Mr. Crapo , and Mr. Cornyn ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To provide requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes.