; and (v) trust companies. (2) Covered bank (A) In general The term covered bank means a bank that has the ability to— (i) raise the price a person has to pay to obtain an offered financial service from the bank or from a competitor; or (ii) significantly impede a person, or the business activities of a person, in favor of or to the advantage of another person. (B) Presumption (i) In general A bank shall not be presumed to be a covered bank if the bank has less than $10,000,000,000 in total assets. (ii) Rebuttable presumption (I) In general A bank is presumed to be a covered bank if the bank has $10,000,000,000 or more in total assets. (II) Rebuttal A bank that meets the criteria under subclause (I) can seek to rebut this presumption by submitting to the Office of the Comptroller of the Currency written materials that, in the judgement of the agency, demonstrate the bank does not meet the definition of covered bank. (3) Covered credit union The term covered credit union means— (A) any insured credit union, as defined in section 101 of the Federal Credit Union Act ( 12 U.S.C. 1752 ); 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 ). (4) Deny The term deny means to deny or refuse to enter into or terminate an existing financial services relationship with a person. (5) Fair access to financial services The term fair access to financial services means persons engaged in activities lawful under Federal law are able to obtain financial services at banks without impediments caused by a prejudice against or dislike for a person or the business of the customer, products or services sold by the person, or favoritism for market alternatives to the business of the person. (6) Financial service The term financial service means a financial product or service, including— (A) commercial and merchant banking; (B) lending; (C) financing; (D) leasing; (E) cash, asset, and investment management and advisory services