{"bill":{"id":"119-hr-5317","congress":119,"type":"HR","number":5317,"title":"Community Bank Deposit Access Act of 2025","originChamber":"House","introducedDate":"2025-09-11","sponsors":[{"bioguideId":"H001072","fullName":"Rep. Hill, J. French [R-AR-2]","party":"R","state":"AR","district":2}],"cosponsorsCount":0,"latestAction":{"actionDate":"2025-11-04","text":"Placed on the Union Calendar, Calendar No. 321."},"policyArea":"Finance and Financial Sector","subjects":["Bank accounts, deposits, capital","Banking and financial institutions regulation","Business investment and capital","Interest, dividends, interest rates"],"actions":[{"date":"2025-11-04","text":"Placed on the Union Calendar, Calendar No. 321.","type":"Calendars","chamber":"House floor actions","hasVote":false},{"date":"2025-11-04","text":"Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.","type":"Committee","chamber":"House floor actions","hasVote":false},{"date":"2025-11-04","text":"Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.","type":"Committee","chamber":"Library of Congress","hasVote":false},{"date":"2025-09-16","text":"Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-09-16","text":"Committee Consideration and Mark-up Session Held","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-09-11","text":"Referred to the House Committee on Financial Services.","type":"IntroReferral","chamber":"House floor actions","hasVote":false},{"date":"2025-09-11","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false},{"date":"2025-09-11","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false}],"summary":"<p><strong>Community Bank Deposit Access Act of 2025</strong></p><p>This bill changes the treatment of certain types of deposits so they are no longer classified as brokered deposits. Brokered deposits are funds placed by a broker on behalf of a client in a depository institution to maximize interest rates and for depository insurance purposes. Currently, institutions that accept brokered deposits may be subject to additional oversight.</p><p>In particular, under the bill, custodial deposits at insured depository institutions with less than $10 billion in total assets shall not be treated as brokered deposits if the deposits do not exceed 20% of the institution’s liabilities. The institution must be well-capitalized and have a specified minimum soundness rating, or be in possession of a waiver from the Federal Deposit&nbsp;Insurance Corporation.</p><p>The bill also generally applies existing interest rate limits applicable to institutions that are not well-capitalized&nbsp;to similar institutions that accept custodial deposits.</p>","updateDate":"2026-02-04T05:06:16Z"},"markets":[],"stateBills":[],"meta":{"sources":["congress.gov"],"latencyMs":544,"ts":"2026-04-19T12:49:09.945Z"},"nextActions":{"inspect":[],"related":[{"description":"Search related legislation","method":"GET","url":"/api/public/query-gov?q=Community%20Bank%20Deposit%20Access%20Act%20of%202025"}]}}