alt Hacker News> Those bills are the reasons banks/credit card companies are pushing this since it holds them liable.
You are either misreading those bills or confusing them with other similar bills which did target banking infrastructure (and which thankfully did not pass).
FOSTA/SESTA did increase liability for platforms, but the applicability of those laws to this specific case is minimal to nonexistent.
Banks didn't do this before 2018 as aggressively. Reputational stuff is always been there and chargebacks have always been there. This law is why they've been so aggressive over the last few years. There's nothing else that has changed