How do I pass an argument to a has_many association scope in Rails 4?

The way is to define additional extending selector to has_many scope:

class Customer < ActiveRecord::Base
   has_many :orders do
      def by_account(account)
         # use `self` here to access to current `Customer` record
         where(:account_id => account.id)
      end
   end
end

customers.orders.by_account(account)

The approach is described in Association Extension head in Rails Association page.

To access the Customer record in the nested method you just can access self object, it should have the value of current Customer record.

Sinse of rails (about 5.1) you are able to merge models scope with the othe model has_many scope of the same type, for example, you are able to write the same code as follows in the two models:

class Customer < ApplicationRecord
   has_many :orders
end

class Order < ApplicationRecord
   scope :by_account, ->(account) { where(account_id: account.id) }
end

customers.orders.by_account(account)