Bank records are correspondence between a person and the bank, not “persons, houses, papers, and effects” as protected by the Fourth Amendment. As such, they’re subject to subpoena.
Now, Congress could extend similar protections to bank records any time they like. Vote accordingly.
That’s not how it was understood at the time of ratification. Letters and the post office were a thing then, mentioned elsewhere in the Constitution. If the framers of the 4th amendment wanted it to cover them they would have written the amendment differently.
Now, Congress could extend similar protections to bank records any time they like. Vote accordingly.