Twenty years ago this week (on March 14, 2000) Bank of America became the first company in the United States to sign an agreement to make its website accessible to people with disabilities. The agreement referenced the Web Content Accessibility Guidelines (WCAG) 1.0 at a time when the standard was less than one year old. (WCAG had its own 20th anniversary on May 5 2019.)
Bank of America’s historic commitment was the result of a Structured Negotiation between the bank and the California Council of the Blind (CCB) and five blind bank customers: Don Brown, Nicaise Dogbo, Bernice Kandarian, Jerry Kuns, and Roger Peterson.
The agreement and the negotiations leading up to it (no lawsuit needed!) created a strong foundation for the bank’s continuing leadership role in digital accessibility. And it began a twenty-year relationship between the bank and the blind community that reflects the power of collaboration in resolving disability rights claims.
Bank of America’s lawyer Brian Frumkin is one of the (many) reasons the bank has maintained its accessibility leadership role over the year. Here’s what he has to say about the 20th anniversary of the country’s first web accessibility agreement:
Bank of America is proud of its leadership in making banking services accessible to blind and visually-impaired customers. Through our collaboration with the blind community and our partnership with their advocates, such as Lainey Feingold, we have achieved amazing advancements in accessibility during the past 20 years.
Today, our ATMs, online banking and mobile app allow all customers, including customers with disabilities, to perform basic banking services, such as deposits and withdrawals, but also to transfer money, pay bills, apply for a loan or credit card and even talk with Erica, our artificial intelligence solution. We look forward to continued collaboration in the future to help improve the financial lives of all our customers.Brian Frumkin, Associate General Counsel at Bank of America
- Jump to a Simplified Summary of this Article, a feature of this website designed to meet WCAG Success Criteria 3.1.5 (a WCAG 2.1 AAA Reading Level requirement).
The web? What’s that? Early Structured Negotiation with Bank of America
Linda Dardarian and I were the lawyers for the blind customers and the CCB in the first web accessibility negotiations. But when we started our discussions with the bank, we had never heard of website accessibility. Or even of online banking.
As I describe in more detail in my Structured Negotiation book, the organization and individuals had come to us in 1994 for help in solving the problem of ATMs that blind people couldn’t independently use. In 1995 we began working with Bank of America on the issue of Talking ATMs and by 1998 progress towards independently usable ATMs was going well.
Sometime that year though, our clients told us about another technology — online banking. As early technology adopters, several of the Bank of America Talking ATM blind advocates had rigged up systems to communicate with the bank electronically — through modems, telephones, and braille displays. These advocates, including Jerry Kuns and Roger Peterson, taught me about online banking and, more importantly, about the need for it to be accessible.
What I learned was the seed that grew into my work for the past twenty plus years.
Based on our clients’ advocacy, we went to the bank and explained why accessibility of its online banking system was so important. As with our Talking ATM work, accessible online banking was key to independence, privacy and security of blind customers.
Because of the strong relationship that had been forged between the bank and its blind customers during the Structured Negotiation, there was no pushback. We began working with the bank — really learning together — to ensure that its online banking was available to everyone.
That work is what culminated in the country’s very first web accessibility agreement. (Which was really a Talking ATM – braille bank statement – web accessibility agreement.) Truthfully, we paid more attention to the Talking ATMs part, and after the landmark agreement the bank did significant work educating the blind community about the new technology An image of one of its early braille marketing and education documents from my archives appears in this post.
I don’t think we quite realized then how important the web accessibility part of the agreement would come to be.
The March 2000 Bank of America Web Accessibility Agreement
Here’s the web accessibility language we agreed to as part of what we called the Bank of America California and Florida Agreement. It was so named because in addition to referencing WCAG 1.0, the bank agreed to initially install Talking ATMs in those two states. Later we had agreements for Talking ATMs in all 50 states (see resources below).
4. Web Accessibility
- Bank of America will use its best efforts to design each page of the Model Bank Target Web Environment so that it complies with Priorities One and Two of the Web Content Accessibility Guidelines found at www.w3c.org, or so that it is otherwise accessible to Persons with Vision Impairments.
- Within thirty (30) days of the Effective Date, Bank of America will hire a mutually agreed upon consultant to assist Bank of America in meeting its obligation pursuant to section 4.1. Claimants shall provide Bank of America with the names of potential consultants within five (5) days of the Effective Date. The consultant will be required to execute a consulting agreement to be prepared by Bank of America and a confidentiality agreement to be prepared by Bank of America regarding web accessibility at Bank of America. The consultant’s contract with Bank of America shall continue through the term of this Agreement unless otherwise agreed to by the Parties. The confidentiality agreement shall not preclude the consultant from sharing with Claimants information relevant to Bank of America’s compliance with section 4.1.
- The mutually agreed upon consultant shall be provided all relevant information reasonably necessary to provide assistance to Bank of America as set forth above.
- Subject to reasonable terms set forth in the consulting agreement, twice annually during the term of this Agreement, the consultant shall report to Bank of America and Claimants regarding Bank of America’s progress toward compliance with section 4.1 above. Within two weeks of receipt of such report, Claimants may request additional information regarding the content of the report, provided that such information is relevant to Bank of America’s compliance with section 4.1.
The “mutually agreed upon consultant” was Shawn Henry, who at the time was an independent web accessibility consultant. In Structured Negotiation everyone around the table agrees on joint experts — instead of expensive fighting competing experts. Shawn set a high bar for all experts who came after!
Accessibility Statement, press announcements, and more resources about Bank of America’s ongoing accessibility commitments
Transparency has been an important element in advancing both digital accessibility and Structured Negotiation. The lack of transparency is one of the “red flags” that contributes to unethical legal strategies in the digital space.
Bank of America has always been transparent about its accessibility efforts. Here is but a sampling:
- Bank of America accessible services portal
- First Bank of America Structured Negotiation press release announcing Talking ATMs and the nation’s first web accessibility agreement (March 2000)
- Press release announcing 18,000 Bank of America Talking ATMs (March 2010)
- Press release announcing Bank of America initiative for accessible mortgage documents (May 2016)
- Bank of America’s lawyer Brian Frumkin remarks about the bank’s collaboration with the blind community, delivered when he accepted an award on behalf of the bank from Disability Rights Advocates in 2019.
You can find more press releases, agreements, and articles about Bank of America in the Bank of America Topics page on this website.
Here’s a gift I would like in celebration of the 20th anniversary of the first web accessibility agreement in the United States:
Please. Everyone. Stop saying web accessibility is something new. Stop saying you don’t know what it is or how to do it. Or that there aren’t any standards or best practices in design, development, training and more.
WCAG is 20 years old. Site owners have been using it for 20 years. It’s long past time for everyone to follow the lead of Bank of America and other champions and make the digital world available to everyone.