>>103253398
>>103258971
If you're not a baiting retard, or a Kiwifag, you'd realize the excuse Banks have used in almost all cases is "Moral Hazards" which broadly falls under the "Reputation Risk" to justify this shit.
Which is why this recent EO is important in so far as it's up in the air as to what's gonna happen, as it explicitly bans the practice and orders the bureaucracy (which Congress has delegated so much power to, effectively making them the deciders in all these matters) to start holding fuckers to task for it.
https://www.whitehouse.gov/presidential-actions/2025/08/guaranteeing-fair-banking-for-all-americans/