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LEGISLATION/H.R. 5317

Community Bank Deposit Access Act of 2025

119-HR-5317119th CongressIntroduced Sep 11, 2025Finance and Financial Sector
Market Probability
No market
Status
Introduced
Committee
Floor Vote
Other Chamber
Signed
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Sponsor

Rep. Hill, J. French [R-AR-2](R-AR-2)

Summary

Community Bank Deposit Access Act of 2025

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.

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 Insurance Corporation.

The bill also generally applies existing interest rate limits applicable to institutions that are not well-capitalized to similar institutions that accept custodial deposits.

Subjects

Bank accounts, deposits, capitalBanking and financial institutions regulationBusiness investment and capitalInterest, dividends, interest rates

Actions (17)

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 21, 2026Senate
Motion to reconsider laid on the table Agreed to without objection.
May 20, 2026House floor actions
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).
May 20, 2026House floor actionsRECORDED VOTE
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).
May 20, 2026Library of CongressRECORDED VOTE
Considered as unfinished business. (consideration: CR H3645-3646)
May 20, 2026House floor actions
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.
May 19, 2026House floor actions
DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
May 19, 2026House floor actions
Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
May 19, 2026House floor actions
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
May 19, 2026House floor actions
Placed on the Union Calendar, Calendar No. 321.
Nov 4, 2025House floor actions
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
Nov 4, 2025House floor actions
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
Nov 4, 2025Library of Congress
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
Sep 16, 2025House committee actions
Committee Consideration and Mark-up Session Held
Sep 16, 2025House committee actions
Referred to the House Committee on Financial Services.
Sep 11, 2025House floor actions
Introduced in House
Sep 11, 2025Library of Congress
Introduced in House
Sep 11, 2025Library of Congress
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