Part 2: Access to Services Section 45: Bank accounts
This section introduces measures concerned with bank and building society accounts held by persons who are known to be unlawfully present in the UK. The purpose is to require banks and building societies to check the immigration status of current account holders and to, in the majority of cases, facilitate the closure of accounts held by illegal migrants.
	Subsection (1) introduces the provision set out in Schedule 4, which amends the 2014 Act by inserting new sections 40A to 40H. These sections establish requirements on banks and building societies to carry out periodic checks of the immigration status of persons holding current accounts with them. Where such checks identify that a current account holder is a "disqualified person" (i.e. an illegal migrant who the Secretary of State considers should not be provided with a current account) the bank or building society is required to notify the Secretary of State that this is the case. The Secretary of State will then either apply for a court order freezing the disqualified person's account or accounts, or will notify the bank or building society that it is under a duty to close the account as soon as reasonably practicable.
	Subsections (2) and (3) place a duty on the Secretary of State to review the measures contained in Schedule 4 and prepare a report for Parliament. This duty must be carried out within 5 years from the date that the measures come into force in full.