H.R. 4544

119th Congress

In Committee

American Access to Banking Act

Sponsored byDemocrat:Rep. Waters, Maxine [D-CA-43]CA· Introduced 17 July 2025
Open on Congress.gov

0

Cosponsors

18

Actions

0

Amendments

2

Committees

—

Since introduced

Introduced
Committee
Passed Chamber
Passed Both
Enacted
Step 1 of 0
Latest action

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

21 May 2026·2 months ago

Summary

Introduced in House · Updated 14 May 2026

American Access to Banking Act

This bill requires federal financial regulators to review and streamline the application process for the formation of de novo, or new, depository institutions or credit unions.

Regulators must (1) review the application process; (2) to the extent practicable, collect necessary information from other agencies in order to minimize requests for applicant information; and (3) review how de novo financial intuitions raise capital while maintaining investor protections, including the impact of restrictions on raising capital.

At the request of an applicant, regulators must (1) designate an employee as a caseworker to assist in the application process, and (2) provide a list of similar institutions interested in serving as a mentor.

Each regulator must also develop a state and stakeholder engagement plan to assist interested parties with understanding the relevant regulatory processes.

Timeline

18 actions

  1. Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    21 May 2026 · IntroReferral

  2. Considered as unfinished business. (consideration: CR H3645)

    20 May 2026 · Floor

  3. Motion to reconsider laid on the table Agreed to without objection.

    20 May 2026 · Floor

  4. 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): 405 - 4 (Roll no. 178).

    20 May 2026 · Floor

  5. On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 405 - 4 (Roll no. 178).

    20 May 2026 · Floor

  6. DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.

    19 May 2026 · Floor

  7. Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.

    19 May 2026 · Floor

  8. 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.

    19 May 2026 · Floor

  9. Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)

    19 May 2026 · Floor

  10. Placed on the Union Calendar, Calendar No. 210.

    8 September 2025 · Calendars

  11. Placed on the Union Calendar, Calendar No. 210.

    8 September 2025 · Calendars

  12. Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.

    8 September 2025 · Committee

  13. Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.

    8 September 2025 · Committee

  14. Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.

    8 September 2025 · Committee

  15. Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.

    8 September 2025 · Committee

  16. Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.

    23 July 2025 · Committee

  17. Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.

    23 July 2025 · Committee

  18. Committee Consideration and Mark-up Session Held

    23 July 2025 · Committee

  19. Committee Consideration and Mark-up Session Held

    23 July 2025 · Committee

  20. Committee Consideration and Mark-up Session Held

    22 July 2025 · Committee

Sponsorship

0 cosponsors

Sponsor

Democrat:Rep. Waters, Maxine [D-CA-43]CA

Classification

Policy area

Finance and Financial Sector

Legislative subjects

Banking and financial institutions regulationFinancial services and investmentsIntergovernmental relationsLicensing and registrationsState and local government operations

Committees

2

  • Financial Services Committee

    House · Standing

    • Referred To17 Jul 2025
    • Markup By22 Jul 2025
    • Markup By23 Jul 2025
    • Reported By8 Sept 2025

  • Banking, Housing, and Urban Affairs Committee

    Senate · Standing

    • Referred To21 May 2026

Reports

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