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OfficialUS · federal · United States CongressHR.5317· House· 119th Congress

Community Bank Deposit Access Act of 2025

Sponsored byRep. Hill, J. French [R-AR-2]
Economy
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Official summary

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.

Status timeline

Introduced 9/11/2025
  1. 5/21/2026
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. 5/20/2026, 1:16:04 PM
    Motion to reconsider laid on the table Agreed to without objection.
  3. 5/20/2026, 1:16:02 PM
    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).
  4. 5/20/2026, 1:16:02 PM
    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).
  5. 5/20/2026, 1:13:18 PM
    Considered as unfinished business. (consideration: CR H3645-3646)
  6. 5/19/2026, 5:40:44 PM
    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.
  7. 5/19/2026, 5:29:20 PM
    DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
  8. 5/19/2026, 5:29:19 PM
    Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
  9. 5/19/2026, 5:29:08 PM
    Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  10. 11/4/2025
    Placed on the Union Calendar, Calendar No. 321.
  11. 11/4/2025
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  12. 11/4/2025
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  13. 9/16/2025
    Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
  14. 9/16/2025
    Committee Consideration and Mark-up Session Held
  15. 9/11/2025
    Referred to the House Committee on Financial Services.
  16. 9/11/2025
    Introduced in House
  17. 9/11/2025
    Introduced in House