; and (3) by adding at the end the following: (iv) an insured depository institution with more than $10,000,000,000 in total consolidated assets, or subsidiary of the insured depository institution, that refuses to do business with any person who is in compliance with the law, including section 8 of the Fair Access to Banking Act , . (c) Nonmember banks, trust companies, and other depository institutions Section 13 of the Federal Reserve Act ( 12 U.S.C. 342 ) is amended by inserting Provided further , That no such nonmember bank or trust company or other depository institution with more than $10,000,000,000 in total consolidated assets, or subsidiary of such nonmember bank or trust company or other depository institution, may refuse to do business with any person who is in compliance with the law, including , including section 8 of the Fair Access to Banking Act : after appropriate: . 5. Payment card network (a) Definition In this section, the term payment card network has the meaning given the term in section 921(c) of the Electronic Fund Transfer Act ( 15 U.S.C. 1693o–2(c) ). (b) Prohibition No payment card network, including a subsidiary of a payment card network, may, directly or through any agent, processor, or licensed member of the network, by contract, requirement, condition, penalty, or otherwise, prohibit or inhibit the ability of any person who is in compliance with the law, including section 8 of this Act, to obtain access to services or products of the payment card network because of political or reputational risk considerations. (c) Civil penalty Any payment card network that violates subsection (b) shall be assessed a civil penalty by the Comptroller of the Currency of not more than 10 percent of the value of the services or products described in that subsection, not to exceed $10,000 per violation. 6. Credit unions Section 206(b)(1) of the Federal Credit Union Act ( 12 U.S.C. 1786 ) is amended by inserting or is refusing or has refused, or has a subsidiary that is refusing or has refused, to do