H.R. 5317 House Finance and Financial Sector
Community Bank Deposit Access Act of 2025
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.
- House Introduced in House Sep 11, 2025
- House Referred to the House Committee on Financial Services. Sep 11, 2025
- House Committee Consideration and Mark-up Session Held Sep 16, 2025
- House Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2. Sep 16, 2025
- House Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369. Nov 4, 2025
- House Placed on the Union Calendar, Calendar No. 321. Nov 4, 2025
- House Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended. May 19, 2026
- House Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586) May 19, 2026
- House DEBATE - The House proceeded with forty minutes of debate on H.R. 5317. May 19, 2026
- 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
- House Considered as unfinished business. (consideration: CR H3645-3646) May 20, 2026
- 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): 393 - 16 (Roll no. 179). May 20, 2026
- 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). May 20, 2026
- House Motion to reconsider laid on the table Agreed to without objection. May 20, 2026
- HouseOn Motion to Suspend the Rules and Pass, as Amended May 20, 2026
- Senate Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. May 21, 2026
Subjects
Bank accounts, deposits, capitalBanking and financial institutions regulationBusiness investment and capitalInterest, dividends, interest rates
Committees
- Banking, Housing, and Urban Affairs Committee
- Referred To , May 21, 2026
- Financial Services Committee
- Reported By , Nov 4, 2025
- Markup By , Sep 16, 2025
- Referred To , Sep 11, 2025
Summary
Community Bank Deposit Access Act of 2025This 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.
Summary as of: Reported to House
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