If you look at section 2 of bill S.2658[0], you will see that the bill only applies to "Large Communications Platform Providers". You bank is not that. Spotify and Netflix are not that. The bill doesn't apply to them. And note that the current threshold is 100M monthly active users in the United States*. A third of the population using the communications platform monthly. Relevant passage of section 2:

    (7) LARGE COMMUNICATIONS PLATFORM.—The term “large communications platform” means a product or service provided by a communications provider that—
    
    (A) generates income, directly or indirectly, from the collection, processing, sale, or sharing of user data; and
    
    (B) has more than 100,000,000 monthly active users in the United States.

---

Original bill text: [0] https://www.congress.gov/bill/116th-congress/senate-bill/265...