H.R. 5317

119th Congress

In Committee

Community Bank Deposit Access Act of 2025

Sponsored byRepublican:Rep. Hill, J. French [R-AR-2]AR· Introduced 11 September 2025
Open on Congress.gov

0

Cosponsors

17

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

Reported to House · Updated 5 December 2025

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.

Timeline

17 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 H3645-3646)

    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): 393 - 16 (Roll no. 179).

    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): 393 - 16 (Roll no. 179).

    20 May 2026 · Floor

  6. DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.

    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 H3586-3588; text: CR H3586)

    19 May 2026 · Floor

  10. Placed on the Union Calendar, Calendar No. 321.

    4 November 2025 · Calendars

  11. Placed on the Union Calendar, Calendar No. 321.

    4 November 2025 · Calendars

  12. Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.

    4 November 2025 · Committee

  13. Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.

    4 November 2025 · Committee

  14. Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.

    4 November 2025 · Committee

  15. Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.

    4 November 2025 · Committee

  16. Committee Consideration and Mark-up Session Held

    16 September 2025 · Committee

  17. Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.

    16 September 2025 · Committee

  18. Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.

    16 September 2025 · Committee

  19. Committee Consideration and Mark-up Session Held

    16 September 2025 · Committee

  20. Referred to the House Committee on Financial Services.

    11 September 2025 · IntroReferral

Sponsorship

0 cosponsors

Sponsor

Republican:Rep. Hill, J. French [R-AR-2]AR

Classification

Policy area

Finance and Financial Sector

Legislative subjects

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

Committees

2

  • Financial Services Committee

    House · Standing

    • Referred To11 Sept 2025
    • Markup By16 Sept 2025
    • Reported By4 Nov 2025

  • Banking, Housing, and Urban Affairs Committee

    Senate · Standing

    • Referred To21 May 2026

Reports

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