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House bill · H.R. 4544 (119th Congress)

American Access to Banking Act

U.S. House of Representatives

Latest action May 21, 2026

Sponsor: Maxine Waters (U.S. Representative, CA-43, Democratic)

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From Congress.gov and official rosters. This record was last updated Aug 3, 2026. About our data

Summary

American Access to Banking Act 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. 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 from the Congressional Research Service. How we handle summaries

Where it stands

Passed one of the two chambers; it still needs the other.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

House Committee on Financial Services · U.S. House of Representatives

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Recorded votes

  • Vote: On Motion to Suspend the Rules and Pass, as Amended

    U.S. HouseMay 20, 2026Result: Passed

    (405) (4) (0) (21)

Full history

  1. May 21, 2026

    In committee

    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    U.S. House

  2. May 21, 2026

    Sent to the executive

    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    U.S. Senate

  3. May 20, 2026

    Considered as Unfinished business. (consideration: cr H3645)

    Considered as unfinished business. (consideration: CR H3645)

  4. May 20, 2026

    Considered as Unfinished business. (consideration: cr H3645)

    Considered as unfinished business. (consideration: CR H3645)

  5. May 20, 2026

    Considered as Unfinished business. (consideration: cr H3645)

    Considered as unfinished business. (consideration: CR H3645)

Show full history (26 earlier events)
  1. May 20, 2026

    Passed a chamber

    Motion to reconsider laid on the table Agreed to without objection.

  2. May 20, 2026

    Passed a chamber

    Motion to reconsider laid on the table Agreed to without objection.

  3. May 20, 2026

    Passed a chamber

    Motion to reconsider laid on the table Agreed to without objection.

  4. May 20, 2026

    Passed a chamber

    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).

    U.S. House of Representatives

  5. May 19, 2026

    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.

    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.

  6. May 19, 2026

    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.

    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. May 19, 2026

    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.

    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.

  8. May 19, 2026

    Debate - the House Proceeded With Forty Minutes of Debate on H.R. 4544.

    DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.

    U.S. House of Representatives

  9. Sep 8, 2025

    Placed on the Union Calendar, Calendar No. 210.

  10. Sep 8, 2025

    Placed on the Union Calendar, Calendar No. 210.

  11. Sep 8, 2025

    Placed on the Union Calendar, Calendar No. 210.

  12. Sep 8, 2025

    Reported out of committee

    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.

  13. Sep 8, 2025

    Reported out of committee

    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.

  14. Sep 8, 2025

    Reported out of committee

    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.

  15. Jul 23, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  16. Jul 23, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  17. Jul 23, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  18. Jul 23, 2025

    Reported out of committee

    Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.

  19. Jul 23, 2025

    Reported out of committee

    Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.

  20. Jul 23, 2025

    Reported out of committee

    Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.

  21. Jul 22, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  22. Jul 22, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  23. Jul 22, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  24. Jul 17, 2025

    Introduced

    Introduced in House

    U.S. House of Representatives

  25. Jul 17, 2025

    Introduced

    Introduced in U.S. House

    U.S. House

  26. Jul 17, 2025

    Referred to committee

    Referred to the House Committee on Financial Services.

    U.S. House of Representatives

Read the record