Recent legislative changes (further) increased the risk tier of generative AI when human beings could be reasonably considered to have grounds to sue the business, and the bank likely also sought and received regulatory advice directing them to classify such businesses as higher risk (than their tolerance threshold might have permitted previously). To quote the recent Debanking article:

> This particular bank did not, at the time, have a small business practice within its personal banking division. Very many banks do, but this particular bank did not. And thus this bank had not built out the higher degree of policies and procedures [required]

https://news.ycombinator.com/item?id=42371476

Most likely, the payment processor does not wish to invest operational spending into the necessary banking and processing policies that continuing to transact with CivitAI without restrictions that reduce legal risk would have demanded of them. And then when CAI encouraged everyone to spend money rapidly and fast, it massively spiked their transaction volume, leading the bank to kill services a day early due to the additional risk flag that sort of processing behavior carries on an everyday basis.

(I am not your lawyer, this is not legal advice.)