; (2) the duty described in paragraph (1) rests on laws and regulations, not on personal beliefs or political motivations; (3) undue pressure and coercion designed to restrict access to financial services for lawful businesses have no place at any appropriate Federal banking agency; (4) depository institutions should provide banking services in the communities in which those institutions serve while carrying out customer identification, risk-based customer diligence, and suspicious activity monitoring and reporting obligations under subchapter II of chapter 53 of title 31, United States Code (referred to in this section as the Bank Secrecy Act ), with respect to the customers of those institutions; (5) despite the fact that individual customers of depository institutions within broader customer categories present varying degrees of risk, all depository institutions should take a risk-based approach in assessing individual customer relationships rather than decline to provide banking services to categories of customers without regard to the risks presented by an individual customer or the ability of the depository institution to manage the risk; (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