The EFF is announcing Rainey Reitman's new book, Transaction Denied, which documents how payment processors and banks freeze accounts of legal online speakers — poets, journalists, city councilmembers, and erotic writers — often based on vague corporate policy or overbroad interpretations of sanctions law. The book draws from documented cases over a decade showing a pattern of financial censorship with little transparency or recourse. EFF frames this as a systemic problem worthy of policy debate, though the framing emphasizes the free speech harm without addressing financial institutions' stated fraud and compliance motivations.