[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"current-user-roles":3,"user-subscription":3,"bill:119-hr-4544":4},null,{"bill":5,"indexable":111,"summaries":112,"cosponsors":118,"cosponsorSlugs":119,"actions":120,"amendments":247,"amendmentSponsorSlugs":248,"linkages":249,"sponsorSlug":250},{"sponsor":6,"cboCostEstimates":14,"originChamber":20,"congress":21,"isByRequest":22,"title":23,"createdAt":24,"cosponsorCount":25,"onBehalfOfSponsor":3,"adminOverride":3,"amendmentCount":25,"popularTitle":3,"laws":3,"billType":26,"introducedDate":27,"congressGovUrl":28,"constitutionalAuthority":29,"policyArea":30,"deletedAt":3,"billNumber":31,"cosponsorCountIncludingWithdrawn":25,"statusDate":32,"actionCount":33,"latestAction":34,"status":36,"subjects":37,"keyMilestoneCount":43,"policyAreaLower":44,"committeeReports":45,"committees":49,"committeeCodes":75,"shortTitle":3,"officialTitle":3,"updateDate":76,"updatedAt":77,"searchTokens":78},{"firstName":7,"lastName":8,"district":9,"fullName":10,"state":11,"party":12,"bioguideId":13},"Maxine","Waters","43","Rep. Waters, Maxine [D-CA-43]","CA","D","W000187",[15],{"description":16,"pubDate":17,"title":18,"url":19},"As reported by the House Committee on Financial Services on September 8, 2025","2026-02-06T20:41:00Z","H.R. 4544, American Access to Banking Act","https:\u002F\u002Fwww.cbo.gov\u002Fpublication\u002F62093","House",119,false,"American Access to Banking Act","2026-05-13T21:15:05.640Z",0,"hr","2025-07-17","https:\u002F\u002Fwww.congress.gov\u002Fbill\u002F119th-congress\u002Fhouse-bill\u002F4544","\u003Cpre>\n[Congressional Record Volume 171, Number 123 (Thursday, July 17, 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 Ms. WATERS:\nH.R. 4544.\nCongress has the power to enact this legislation pursuant\nto the following:\nClause 3 of Section 8 of Article I of the Constitution,\nwhich provides Congress with the power to ``regulate commerce\nwith foreign nations, and among the several states, and with\nthe Indian tribes.''\n[Page H3477]\n\u003C\u002Fpre>","Finance and Financial Sector",4544,"2026-05-21",18,{"date":32,"text":35},"Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.","in_committee",[38,39,40,41,42],"Banking and financial institutions regulation","Financial services and investments","Intergovernmental relations","Licensing and registrations","State and local government operations",5,"finance and financial sector",[46],{"citation":47,"url":48},"H. Rept. 119-253","https:\u002F\u002Fwww.congress.gov\u002Fcongressional-report\u002F119th-congress\u002Fhouse-report\u002F253",[50,67],{"name":51,"systemCode":52,"chamber":20,"activities":53,"subcommittees":65,"type":66},"Financial Services Committee","hsba00",[54,57,60,62],{"name":55,"date":56},"Referred To","2025-07-17T13:01:35Z",{"name":58,"date":59},"Markup By","2025-07-22T17:01:09Z",{"name":58,"date":61},"2025-07-23T17:01:21Z",{"name":63,"date":64},"Reported By","2025-09-08T17:48:42Z",[],"Standing",{"name":68,"systemCode":69,"chamber":70,"activities":71,"subcommittees":74,"type":66},"Banking, Housing, and Urban Affairs Committee","ssbk00","Senate",[72],{"name":55,"date":73},"2026-05-21T17:39:55Z",[],[52,69],"2026-07-17T23:57:26Z","2026-07-18T14:00:50.422Z",[79,80,81,82,83,84,85,86,87,88,89,90,91,92,93,94,95,96,97,98,99,100,101,102,103,104,105,106,107,108,109,110,9],"american","am","ame","amer","ameri","americ","america","access","ac","acc","acce","acces","to","banking","ba","ban","bank","banki","bankin","act","rep","waters","wa","wat","wate","water","maxine","ma","max","maxi","maxin","ca",true,[113],{"versionCode":114,"actionDate":27,"actionDesc":115,"text":116,"updateDate":117},"00","Introduced in House","\u003Cp>\u003Cstrong>American Access to Banking Act\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>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.\u003C\u002Fp>\u003Cp>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.\u003C\u002Fp>\u003Cp>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.\u003C\u002Fp>\u003Cp>Each regulator must also develop a state and stakeholder engagement plan to assist interested parties with understanding the relevant regulatory processes.\u003C\u002Fp>","2026-05-14T19:36:28Z",[],{},[121,126,136,142,155,161,168,174,179,184,192,195,203,208,213,217,226,230,237,241],{"actionDate":32,"actionDateTime":3,"text":35,"type":122,"actionCode":3,"sourceSystem":123,"committees":124,"recordedVotes":3,"calendarNumber":3,"sequenceIndex":25,"isKeyMilestone":22},"IntroReferral",{"name":70},[125],{"systemCode":69,"name":68},{"actionDate":127,"actionDateTime":128,"text":129,"type":130,"actionCode":131,"sourceSystem":132,"committees":3,"recordedVotes":3,"calendarNumber":3,"sequenceIndex":135,"isKeyMilestone":22},"2026-05-20","2026-05-20T13:08:53","Considered as unfinished business. (consideration: CR H3645)","Floor","H30000",{"code":133,"name":134},2,"House floor actions",4,{"actionDate":127,"actionDateTime":137,"text":138,"type":130,"actionCode":139,"sourceSystem":140,"committees":3,"recordedVotes":3,"calendarNumber":3,"sequenceIndex":141,"isKeyMilestone":111},"2026-05-20T13:13:01","Motion to reconsider laid on the table Agreed to without objection.","H38310",{"code":133,"name":134},1,{"actionDate":127,"actionDateTime":143,"text":144,"type":130,"actionCode":145,"sourceSystem":146,"committees":3,"recordedVotes":149,"calendarNumber":3,"sequenceIndex":154,"isKeyMilestone":111},"2026-05-20T13:12:59","Passed\u002Fagreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2\u002F3 required): 405 - 4 (Roll no. 178).","8000",{"code":147,"name":148},9,"Library of Congress",[150],{"chamber":20,"rollNumber":151,"sessionNumber":133,"url":152,"date":153},178,"https:\u002F\u002Fclerk.house.gov\u002Fevs\u002F2026\u002Froll178.xml","2026-05-20T17:12:59Z",3,{"actionDate":127,"actionDateTime":143,"text":156,"type":130,"actionCode":157,"sourceSystem":158,"committees":3,"recordedVotes":159,"calendarNumber":3,"sequenceIndex":133,"isKeyMilestone":111},"On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2\u002F3 required): 405 - 4 (Roll no. 178).","H37300",{"code":133,"name":134},[160],{"date":153,"url":152,"chamber":20,"rollNumber":151,"sessionNumber":133},{"actionDate":162,"actionDateTime":163,"text":164,"type":130,"actionCode":165,"sourceSystem":166,"committees":3,"recordedVotes":3,"calendarNumber":3,"sequenceIndex":167,"isKeyMilestone":22},"2026-05-19","2026-05-19T17:18:17","DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.","H8D000",{"code":133,"name":134},6,{"actionDate":162,"actionDateTime":169,"text":170,"type":130,"actionCode":171,"sourceSystem":172,"committees":3,"recordedVotes":3,"calendarNumber":3,"sequenceIndex":173,"isKeyMilestone":22},"2026-05-19T17:18:06","Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.","H30300",{"code":133,"name":134},8,{"actionDate":162,"actionDateTime":175,"text":176,"type":130,"actionCode":177,"sourceSystem":178,"committees":3,"recordedVotes":3,"calendarNumber":3,"sequenceIndex":43,"isKeyMilestone":22},"2026-05-19T17:28:49","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.","H37220",{"code":133,"name":134},{"actionDate":162,"actionDateTime":180,"text":181,"type":130,"actionCode":131,"sourceSystem":182,"committees":3,"recordedVotes":3,"calendarNumber":3,"sequenceIndex":183,"isKeyMilestone":22},"2026-05-19T17:18:16","Considered under suspension of the rules. 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