This is a rather paranoid reading of the bill, and I don't think the clause you cite has the effect you describe. For one thing, it's in the "Findings" section, which is not operative statutory text - it's a statement of opinion to describe the authors' state of mind at the time the bill was written. Further, in the scenario you describe - a bank cutting off services after an individualized risk assessment - if the cut-off customer was in compliance with the law, 4(c) causes the bank to lose access to the Fed window, which is basically game over for them. Today, banks can cut off services for nearly any reason with little recourse. If the bill passes, banks will need to be extremely careful when cutting off services to individuals.