; (11) banks are free to provide or deny financial services to any individual customer, but first, the banks must rely on empirical data that are evaluated consistent with the established, impartial risk-management standards of the bank; and (12) anything less is not prudent risk management and may result in unsafe or unsound practices, denial of fair access to financial services, cancelling, or eliminating certain businesses in society, and have a deleterious effect on national security and the national economy. 3. Purposes The purposes of this Act are to— (1) ensure fair access to financial services and fair treatment of customers by financial service providers, including national and State banks, Federal savings associations, and State and Federal credit unions; (2) ensure banks conduct themselves in a safe and sound manner, comply with laws and regulations, treat their customers fairly, and provide fair access to financial services; (3) protect against banks being able to impede otherwise lawful commerce and thereby achieving certain public policy goals; (4) ensure that persons involved in politically unpopular businesses but that are lawful under Federal law receive fair access to financial services under the law