S.401 - Fair Access to Banking Act

[Helping Friendly Book]

Is this gamergate 3?

Sargon of Applebee’s wants to know your location

 

[One Angry Computer]

When have coomers ever revolted about anything? That’s even more of a meme than Gamers Rise Up.

Think it of this way: what is the usual response when a crack addict sees its crack being seized by a cop? If your response is close to "feral vitriol", then you'd be correct.

And I bet that this attempt to ban porn by proxy will end up astoundingly bad for the payment processors, making the boycott against woke companies seem like a footnote.

There are much more people hooked on adult content that you believe, trust the internet traffic that goes there.

 

[Retink Retunk]

Sargon of Applebee’s wants to know your locationView attachment 7676025

To this day he hasn't read Lock-E.

 

[Mike Matei's Penis]

When have coomers ever revolted about anything? That’s even more of a meme than Gamers Rise Up.

When VHS beat Betamax.

 

[Terrifik]

View attachment 7675731

needs to glow more.
or have a 3 letter badge on.
took less than day fed bots to apppear.

 

[Retink Retunk]

It does because the fees are what’s paying for it. Visa doesn’t investigate the dispute. The bank does. That takes actual work, even if it’s trivial. And disputes aren’t always trivial.

The merchant fee doesn’t entirely go to Visa either. That’s a misunderstanding of how the market works. Gateways set the fee and then they pay Visa/Mastercard a cut. Amex and Discover are their own banks, so they get the full fee for themselves.

The bank doesn't investigate shit, they just reverse the transaction and charge the vendor a charge back fee. There are no ways for legitimate vendors to fight against charge backs by nefarious actors, but nefarious vendors can fight back effectively as people are generally honest when filing legitimate charge backs. The burden is completely on the vendor to prove if a charge back is fraudulent so there's no way they can prove a credit card wasn't stolen, but if someone reports fraud in product, they can provide falsified documentation showing fake product detail pages. This was how a company like Charge Backs 911 operated if I remember correctly.

 

[Look At You]

Visa and Mastercard can comfortably make these decisions because they are beyond accountability. No one with any decision making power within the companies will be made even slightly uncomfortable unless you can identify them and put legal and social pressure on them.

Who at these companies have the power to call the shots?
How can a global network of internet retards put pressure on them?
What do we  actually hope to get out of this?

To bend Visa and Mastercard you're going to need very specific and focused goals without being willing to compromise on them.

 

[3MMA]

Why does his stomach look like a scrotum?

Why does the caged bird sing?

 

[BondoBob]

I wonder how much personally identifying information these payment processors also get from individual transactions in order to comply with the Banking Secrecy Act of 1970 (which you may have heard of because of Biden's amendment to it to lower mandatory transaction reporting minimums to any financial transaction involving a transfer of $10,000 or more, in a single or aggregate transactions). To comply fully with the BSA the financial institutions handling the transactions must collect and send in as part of a Currency Transaction Report (CTR), which also gets filed by the processor handling the transaction, from my understanding because they are classified as Money Service Businesses (MSBs in the BSA).

Obviously you can see how collecting that information would enable them to proactively block you from using their network as part of that information is your tax ID number/social security number, IP addresses, and other personally identifying information which they then store to connect future transactions or attempted transactions. They use this information as part of Know Your Customer (KYC) data, which I believe they share between each other and possibly with World-Check (the global KYC financial database which contains a master list of more than 3 million groups, businesses, organizations, and individuals deemed to be reputational risks for one reason or another and essentially barred from accessing financial services).

It honestly seems to suck fat dick to be on that list or on the list compiled by the US government as part of Operation Choke Point (an on-going government financial operation designed to 'choke off' access to financial services for individuals or organizations linked to certain industries like crypto, drugs, etc and which some people have alleged is used to target people for political reasons), which seems to have even more nebulously defined criteria.

I found this legal review of reputational risk from Julie Anderson Hill, dean of the University of Wyoming College of Law, while looking for more information; which has a lot of links to additional information and legal resources related to the topic.

Seemingly, your only recourse would be to use either the Consumer Finance Protection Bureau's appeal system or the Equal Credit Opportunity Act of 1974 (ECOA) to make a legal appeal, the glaring oversight of the latter being that political affiliation or political reasons are not expressly enumerated as a reason to make an appeal for alleged political debanking (approved reasons including race, color, religion, national status, sex, age, marital status, receipt of federal assistance, and exercise of rights enumerated under the Consumer Credit Protection Act). ECOA seems to only apply in case of credit, so I'm not even sure you could leverage it for your purposes.

It might behoove you to establish some sort of definitive business link in a particularly influential judicial circuit like NY or CA (which you could arguably do, since your business is on-line, but having a more definitive link might strengthen a claim) and file a request for investigation from the state attorney general (there are certain states that actually do have banking laws which offer limited protection for speech (I mention CA specifically because of the Unruh Civil Rights Act), but you'll obviously need to consult with an attorney to determine if that is even a worthwhile avenue to pursue.

Good luck.

 

[daniel day]

You are the ultimate example of why Josh cannot get his point across. There is always a Distraction Carnifex in his way of the real enemy. Be it Feminists, Gooners, Incels, really any filthy group taking the blame that the payment processors should rightfully be bearing. And you don't fucking get it. Pathetic.

>distraction carnifex
heh, nice.

what fucking ASTOUNDS me is that THIS is literally the end goal of a better, more free society. These "people" are FLAUNTING the fact that they are bending you over and raping you in the ass, and nobody gives a fuck because they're so hell bent on hating Cleetus the Trumper or Shaneequa the Negress or name-a-boogeyman. Our politicians are getting bankrolled to distract us as much as possible from the real threats to our freedoms; that being, the inability to control where our fucking money goes without a non-government entity saying no. I didn't vote for Visa, I didnt vote for Mastercard, but they can still say "yeah, that christian charity is a lil too conservacuck4me, lmao" or "damn that wolf ass game? nuh uh uh, didn't you forget to ask Big Daddy Mastercard?" Instead stupid fucks are so uninterested in something slightly more complex than "fuck blacks" or "fuck whitey" or again, name a boogeyman.

Jesus China is probably seething in jealousy at the level of top-down censorship that visa and mastercard are able to employ at the drop of a hat. What the fuck happened bros.

 

[Cucktry Roads]

Whatever happened to FedNow?

 

[The Stranger]

This bill makes it explicitly illegal for banks and payment processors

No, it doesn't. It doesn't say anything about payment processors who are the ones doing the censorship.

 

[gay porn is the best porn]

Okay you burger wearing retarded fuck; after Saint Luigi shot that Fat Corporat Fuck, they approved more people than they'd ever do because they were scared. Violence Always Works. Stop being a squeamish bitch.

You're a retarded fedposting faggot.
This does remind me of something though, the FBI is 10 feet up our assholes about fedposting but on a lot of social media platforms people literally say shit like "I will send pipebombs to the White House" and nothing happens. This is also applicable to the whole "trans people are literally undergoing a genocide from kiwifarms harassment" bullshit of 2022 when literally every social media platform has blood on it's hands and way more than we ever will.

 

[cyber insecurity]

null is a fat scrote and i would not have sex with him

 

[Vince McMahon]

Yes, but it is tacked onto Swift and backed by *stercard and other stuff if you want to have your own card and bank no.
Transactions can be free for certain things but that depends on the country. Inside EU there aren't fees.

SEPA is now online.

 

[Smashed & Slamed]

The thing is that the payment processors are not actively screwing people right now. They are a sleeping giant rolling over in their sleep.
When people finally start hitting flesh they will fight back and it won't be pretty. People bring up occupy being subverted but that's child's play. If Boeing killed people than do you think Visa will kill less people when they stand to lose more money?

 

[neger psykolog]

bypass the payment processors:

Thread 'x402'

May 6, 2025

https://en.wikipedia.org/wiki/HTTP_402

The HTTP 402 status code indicates that the client must make a payment to access the requested resource.<a href="https://en.wikipedia.org/wiki/HTTP_402#cite_note-2"><span>[</span>2<span>]</span></a> It is typically used in situations where the server requires payment before granting access to the content or service. This code serves as a reminder that financial transaction or authorization is needed to proceed further.

The 402 status code is considered non-standard and was introduced to extend the HTTP protocol's capabilities beyond...

• neger psykolog
• Replies: 69
• Forum: Internet & Technology

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[demicolon]

When have coomers ever revolted about anything?

Coomers were always revolting.

 

[Heliantheae]

I don't expect her to understand anything. She isn't smart.

She is, in this instance at least, wiser than you.

We are facing a tsunami that will wipe us out to the last man woman and child- and you want to gender sperg? It is bigger than that. The payment processors are fucking demonic entities. They should be treated as such.

And nothing in that necessitates, in your call to action, referring to women as "holes"; angry and offensive words won't help you against your "fucking demonic entities", you'll need supporters, which you instead alienate and repulse.

Nothing that has been said is an attempt at redirecting focus like in "Occupy Wallstreet", it's been valid criticism of how the words in the call to action make it less effective than it needs to be. To put it in a manner that you must surely understand: did your favorite dictator Adolf Hitler, in any of his speeches to the nation of Germany, ever refer to women as "holes" or use any other derogatory term for their gender? I think you'll find that he did in fact not, but I'm not an expert in that field.

It's been known since at least antiquity that when seeking sympathy or support or anything at all the words used matter immensely, please fucking stop throwing the game because you can't control yourselves from sperging.

 

[The Noise]

Congrats to the people in this thread who read Null's carefully crafted essay about payment processors and immediately made it about gender sperging because Lidl said something dumb. Your rights are being eroded and you want to argue technicalities of language with internet randoms. Dumb fucks.