At NORML we were once again reminded this past week of the pervasive prejudice against marijuana, and marijuana smokers, that remains in the general American culture. Yes, a majority of Americans now oppose marijuana prohibition and favor the legalization and regulation of marijuana. But there remain numerous obstacles and penalties that continue to deny fair and equal treatment to marijuana smokers, and those who are associated with marijuana.
I have previously written about the urgent need to protect responsible marijuana smokers from job discrimination (requiring a showing of impairment on the job before an employee can be terminated); from unfair child custody laws (requiring a showing of abuse or neglect before removing minor children from the custody of their marijuana smoking parents); and unfair DUID laws (requiring a showing of impairment before charging a marijuana smoker with driving under the influence of drugs). These are three areas of the law where we will continue to fight for fair and equal treatment for marijuana smokers.
More Subtle Biases
But today I want to discuss another, more subtle bias that can unfairly impact those of us who support full legalization. These involve the refusal of banks and credit card processing companies to offer their services to businesses and non-profits that are somehow connected to the newly emerging legal marijuana industry in several states.
Initially I presumed these problems were unique to those who actually held licenses to commercially cultivate or sell marijuana. Most of us are familiar with the enormous challenges these banking and financial limitations cause for those who have invested their time and resources to start a new business legal under state law. Today, most are forced to operate on a cash-only basis; no bank accounts or credit cards allowed.
The Obama administration has reassured the banking and related industries that they will not be penalized by the feds for providing necessary and usual business services to those businesses operating legally under state law. But the banking industry realizes this policy could be reversed under another, less marijuana-friendly president, and largely has refused to budge until particular provisions of federal law, which they feel put them in legal jeopardy, have been changed.
Proposed Federal Reforms Pending
There are serious efforts underway in Congress to fix these banking problems, and support is clearly growing among the members. HR 2076/S 1726, The Marijuana Business Access to Banking Act of 2015, sponsored by a bi-partisan group of legislators, would fully protect financial institutions providing services to legitimate marijuana business. Many observers, myself included, expect this area of federal reform will be the first to be approved by the Congress, among the several federal marijuana proposals pending. (You can register your support for these measures from the NORML website).
NORML has been supportive of these reforms, believing they are necessary for the newly legal marijuana industry, and because it is in the best interest of consumers that the legitimate industry operate in a transparent manner, as other industries do.
Suddenly, NORML Loses Credit Card Services
But now we have a more personal reason to fight for this change. NORML has abruptly lost our ability to accept credit or debit card donations on our website. Without advance notice, NORML was notified by registered mail this past week that the company that processes our debit and credit card donations, TransFirst, had decided, apparently based on their review of our website, that we no longer qualify as a client, and they immediately ceased processing our credit card traffic. As with many non-profits, we depend to a large degree on donations from our website to fund our organization, so this (hopefully temporary) glitch presents a serious threat to the organization.
NORML is a not-for-profit public-interest lobby that represents the interests of responsible marijuana smokers. We do not grow or sell marijuana, nor do we have any financial interests in the marijuana industry. Nonetheless, when I asked TransFirst what rule we had violated, they said we were part of the “marijuana industry.”
Our advocacy is First Amendment-protected activity; marijuana legalization is our policy goal, and we work every day to nudge the country a little closer to that policy.
But now, when someone with the TransFirst financial services corporation decided to visit our website, and discovered that we are a pro-legalization lobby, we are suddenly found to be unsuitable as a client. We are denied the same business services routinely provided to tens of thousands of other non-profits, many of whom also focus on controversial social issues, simply because we have a website that promotes the legalization of marijuana!
We are working now to identify another company that will not be frightened by our political views, that will step in to provide these necessary services. And unlike most of those in the legal marijuana industry, at NORML we have never had problems finding banks willing to handle our accounts. For that, I suppose, we should be grateful.
But that is not what I am feeling right now. I am angry that some mid-level executive at TransFirst was able and willing to disrupt our work at NORML based on the content of the advocacy on our website. That represents a totally unnecessary act (there is no theory under federal law that would penalize a company for providing financial services to NORML), and one that smacks of an anti-marijuana prejudice that is reminiscent of the days of “reefer madness.” We are being penalized for our political views.
It is time for all of us to stand-up and say, loudly and clearly, “Get over it. There is nothing wrong with the responsible use of marijuana and it’s time we began treating people who smoke, and corporations that work in and around the marijuana industry, in a fair manner.”
It is time we, as a society, overcome our anti-marijuana prejudices, once and for all.
This piece first appeared on the NORML Blog.