{"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":"2026-05-21","text":"Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs."},"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":"2026-05-21","text":"Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.","type":"IntroReferral","chamber":"Senate","hasVote":false},{"date":"2026-05-20","text":"Motion to reconsider laid on the table Agreed to without objection.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2026-05-20","text":"On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 393 - 16 (Roll no. 179).","type":"Floor","chamber":"House floor actions","hasVote":true},{"date":"2026-05-20","text":"Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 393 - 16 (Roll no. 179).","type":"Floor","chamber":"Library of Congress","hasVote":true},{"date":"2026-05-20","text":"Considered as unfinished business. (consideration: CR H3645-3646)","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2026-05-19","text":"At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2026-05-19","text":"DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2026-05-19","text":"Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2026-05-19","text":"Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.","type":"Floor","chamber":"House floor actions","hasVote":false},{"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":"2026-05-23T06:53:30Z"},"markets":[],"stateBills":[],"meta":{"sources":["congress.gov"],"latencyMs":509,"ts":"2026-07-14T03:27:40.281Z"},"nextActions":{"inspect":[],"related":[{"description":"Search related legislation","method":"GET","url":"https://simplefunctions.dev/api/public/query-gov?q=Community%20Bank%20Deposit%20Access%20Act%20of%202025"}]}}