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H.R. 4544 House Finance and Financial Sector

American Access to Banking Act

Introduced
Jul 17, 2025
Sponsor
Rep. Waters, Maxine (D-CA-43)
View on Congress.gov

STAGE 4 OF 8 — HOUSE FLOOR

Currently in the House. Last action: received in the senate and read twice and referred to the committee on banking, housing, and urban affairs on May 21, 2026.

  1. House Introduced in House Jul 17, 2025
  2. House Referred to the House Committee on Financial Services. Jul 17, 2025
  3. House Committee Consideration and Mark-up Session Held Jul 22, 2025
  4. House Committee Consideration and Mark-up Session Held Jul 23, 2025
  5. House Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0. Jul 23, 2025
  6. House Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253. Sep 8, 2025
  7. House Placed on the Union Calendar, Calendar No. 210. Sep 8, 2025
  8. House Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended. May 19, 2026
  9. House Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585) May 19, 2026
  10. House DEBATE - The House proceeded with forty minutes of debate on H.R. 4544. May 19, 2026
  11. House 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, 2026
  12. House Considered as unfinished business. (consideration: CR H3645) May 20, 2026
  13. House 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). May 20, 2026
  14. 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). May 20, 2026
  15. House Motion to reconsider laid on the table Agreed to without objection. May 20, 2026
  16. House
    On Motion to Suspend the Rules and Pass, as Amended May 20, 2026
    Agreed Yea 405 Nay 4 Roll Call
  17. Senate Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. May 21, 2026

Subjects

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

Committees

  • Banking, Housing, and Urban Affairs Committee
    • Referred To , May 21, 2026
  • Financial Services Committee
    • Reported By , Sep 8, 2025
    • Markup By , Jul 23, 2025
    • Markup By , Jul 22, 2025
    • Referred To , Jul 17, 2025

Summary

American Access to Banking ActThis 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.

Summary as of: Introduced in House

Bill Text

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