Banks and insurers could choose to serve state-legal marijuana and hemp businesses with less risk of federal punishment. Marijuana would still be illegal under federal law, and no bank would have to take these customers.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
SAFER Banking Act is a Senate bill in Congress.
Who this affects: This bill mainly affects financial companies and businesses that deal with state-legal marijuana or hemp. It could also affect workers and owners in those businesses when they apply for certain home loans. Regulators would have new guidance and reporting duties. Customers whose bank accounts are closed at a regulator's request could get more written explanation, unless an exception applies.
Why this matters: Many state-legal marijuana businesses still struggle to use banks because federal law bans marijuana. This bill could move more of that business into regular banking, insurance, loans, and payment systems. That may affect cash handling, tax records, payroll, housing finance, and oversight for possible illegal activity. The size of the change would depend on how agencies write the rules and how many financial companies decide to participate.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: SAFER Banking Act
Banks and insurers could choose to serve state-legal marijuana and hemp businesses with less risk of federal punishment. Marijuana would still be illegal under federal law, and no bank would have to take these customers.
Use this page to support, oppose, or ask Congress to amend S2860. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Senate Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to SAFER Banking Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (introduced), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S2860, your stance, and the reasons you choose, then lets you edit and send when ready.
