Bills · 119th Congress · Finance and Financial Sector

Community Bank Deposit Access Act of 2025

Where it stands

  1. Introduced9/11/25
  2. Passed HousePassed 5/20/26
  3. Senate
  4. President
  5. Law

Passed the House 393–16 on May 20, 2026 (Roll Call 179 →). Received in the Senate on May 21, 2026. No Senate action since.

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Roll calls on this bill

Votes on passage
HouseOn Motion to Suspend the Rules and Pass, as Amended · 5/20/26Suspension of the rulesA fast-track House procedure, usually for measures expected to have broad support. Debate is limited to 40 minutes, no amendments can be offered, and it needs a two-thirds vote of members voting — not a simple majority. A yes vote passes the bill. “As amended” means changes written into the motion itself are included.Rules of the House, Rule XV, clause 1 ↗
Passed
  • Democratic189 Yea · 16 Nay · 7 Not voting
  • Republican203 Yea · 0 Nay · 14 Not voting
  • Independent / Other1 Yea · 0 Nay · 0 Not voting
Official summary (CRS)

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.

Full text on congress.gov ↗
Sponsor
Rep. J. French Hill ( Republican · AR-2)
Cosponsors
0
Introduced
9/11/25
Policy area
Finance and Financial Sector

What happens next

The Senate must pass the same text, then it goes to the President.

If it isn't enacted by Jan 3, 2027, it expires when the 119th Congress ends.

All actions (15)
  1. 9/11/25Introduced in House
  2. 9/11/25Referred to the House Committee on Financial Services.
  3. 9/16/25Committee Consideration and Mark-up Session Held
  4. 9/16/25Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
  5. 11/4/25Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  6. 11/4/25Placed on the Union Calendar, Calendar No. 321.
  7. 5/19/26Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  8. 5/19/26Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
  9. 5/19/26DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
  10. 5/19/26At 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.
  11. 5/20/26Considered as unfinished business. (consideration: CR H3645-3646)
  12. 5/20/26Passed/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).
  13. 5/20/26On 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).
  14. 5/20/26Motion to reconsider laid on the table Agreed to without objection.
  15. 5/21/26Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.