> and now I'm wondering what awful shit is hiding in it.

Had to look into it a bit.

From looking at the text of the bill, it looks like the sponsor did not like Operation Choke Point [0], which was specifically targeting banks that did business with Payday Lenders, Ponzi Schemes, and other shady vendors.

This also included pornography, but I'm willing to bet that's not what Sen. Cramer was upset about. More likely, he's simply serving the interest of his donors.

He also might have extremist "small business" constituents that are perhaps selling racist/sexist/homophobic merch, and they don't like being told that their bank/credit card processors are refusing to process payments on that swag.

[0] https://en.wikipedia.org/wiki/Operation_Choke_Point

That's disingenuous. There were plenty of legit business types included also. Directly from your link:

    ammunition sales

    ATM operators

    cable box de-scramblers

    coin dealers

    credit card schemes

    credit repair services

    dating services

    debt consolidation scams

    drug paraphernalia

    escort services

    firearms sales

    fireworks sales

    get rich products

    government grants

    home-based charities

    lifetime guarantees

    lifetime memberships

    lottery sales

    mailing lists/personal info

    money transfer networks

    online gambling

    pawn shops

    payday loans

    pharmaceutical sales

    Ponzi schemes

    pornography[5]

    pyramid-type sales

    racist materials

    surveillance equipment

    telemarketing

    tobacco sales

    travel clubs