[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"current-user-roles":3,"user-subscription":3,"bill:119-hr-3234":4},null,{"bill":5,"indexable":95,"summaries":96,"cosponsors":102,"cosponsorSlugs":160,"actions":172,"amendments":297,"amendmentSponsorSlugs":298,"linkages":299,"sponsorSlug":300},{"sponsor":6,"cboCostEstimates":14,"originChamber":15,"congress":16,"isByRequest":17,"title":18,"createdAt":19,"cosponsorCount":20,"onBehalfOfSponsor":3,"adminOverride":3,"amendmentCount":21,"popularTitle":3,"laws":3,"billType":22,"introducedDate":23,"congressGovUrl":24,"constitutionalAuthority":25,"policyArea":26,"deletedAt":3,"billNumber":27,"cosponsorCountIncludingWithdrawn":20,"statusDate":28,"actionCount":29,"latestAction":30,"status":32,"subjects":33,"keyMilestoneCount":36,"policyAreaLower":37,"committeeReports":38,"committees":42,"committeeCodes":66,"shortTitle":3,"officialTitle":3,"updateDate":67,"updatedAt":68,"searchTokens":69},{"firstName":7,"lastName":8,"district":9,"fullName":10,"state":11,"party":12,"bioguideId":13},"Tom","Emmer","6","Rep. Emmer, Tom [R-MN-6]","MN","R","E000294",[],"House",119,false,"Keeping Deposits Local Act","2026-05-13T19:31:39.035Z",11,0,"hr","2025-05-07","https:\u002F\u002Fwww.congress.gov\u002Fbill\u002F119th-congress\u002Fhouse-bill\u002F3234","\u003Cpre>\n[Congressional Record Volume 171, Number 76 (Wednesday, May 7, 2025)]\n[House]\nFrom the Congressional Record Online through the Government Publishing Office [\u003Ca href=\"https:\u002F\u002Fwww.gpo.gov\">www.gpo.gov\u003C\u002Fa>]\nBy Mr. EMMER:\nH.R. 3234.\nCongress has the power to enact this legislation pursuant\nto the following:\nArticle 1, Section 8 of the United States Constitution\n[Page H1910]\n\u003C\u002Fpre>","Finance and Financial Sector",3234,"2026-05-21",17,{"date":28,"text":31},"Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.","in_committee",[34,35],"Bank accounts, deposits, capital","Banking and financial institutions regulation",5,"finance and financial sector",[39],{"citation":40,"url":41},"H. 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(Reciprocal deposits are used by institutions to increase the availability of deposit insurance by splitting large deposits using a reciprocal network of institutions.) The bill creates a tiered system so that the allowable amount is based on the institution's total liabilities.\u003C\u002Fp>\u003Cp>Additionally, the bill changes certain qualifications insured depository institutions may be required to have to accept reciprocal deposits. Under current law, institutions&nbsp;may qualify by having a composite rating of outstanding or good, among other requirements. The bill allows institutions with a 1, 2, or 3 rating under the CAMELS scale to qualify. (The Uniform Financial Institutions Rating System uses the characteristics of capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk (i.e., CAMELS ratings) to rate the health of financial institutions, with a 1 indicating the highest rating and least degree of supervisory concern and a 5  indicating the lowest rating and highest degree of supervisory concern.)\u003C\u002Fp>","2025-12-15T23:01:38Z",[103,109,115,121,127,133,138,142,147,152,156],{"bioguideId":104,"fullName":105,"party":12,"state":106,"district":107,"sponsorshipDate":108,"isOriginalCosponsor":17,"withdrawn":17,"sponsorshipWithdrawnDate":3},"R000575","Rep. Rogers, Mike D. [R-AL-3]","AL","3","2025-11-04",{"bioguideId":110,"fullName":111,"party":12,"state":112,"district":113,"sponsorshipDate":114,"isOriginalCosponsor":17,"withdrawn":17,"sponsorshipWithdrawnDate":3},"B001301","Rep. 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