; (6) depository institutions that properly manage customer relationships and risks are neither prohibited nor discouraged from providing services to customers that are operating in compliance with applicable Federal and State law; and (7) each depository institution is responsible for determining whether providing services to any particular customer is consistent with the business plan, risk profile, and management capabilities of the depository institution. (b) Conditions for termination (1) In general An appropriate Federal banking agency may not request or require a depository institution to terminate a specific deposit account or group of deposit accounts (including, but not limited to, any deposit account of any customer that is a State-sanctioned marijuana business or service provider) , unless— (A) there is a valid reason for that request or requirement, as described in paragraph (2); and (B) reputational risk is not the dispositive factor for that request or requirement. (2) Valid reasons (A) In general To establish a valid reason for a request or requirement under paragraph (1), the appropriate Federal banking agency shall document that the agency— (i) has reasonable cause to believe that the applicable depository institution or any institution-affiliated party has engaged, is engaged, or is about to engage in— (I) an unsafe or unsound practice in conducting business; (II) a violation of an applicable law, rule, regulation, order, condition imposed in writing, formal or informal enforcement action, or written agency formal or informal guidance, which shall include the priorities for anti-money laundering and countering the financing of terrorism policy established by the Secretary of the Treasury under section 5318(h)(4) of title 31, United States Code, or otherwise operating in a manner that is inconsistent with requirements of the Bank Secrecy Act