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House bill · H.R. 5317 (119th Congress)

Community Bank Deposit Access Act of 2025

U.S. House of Representatives

Latest action May 21, 2026

Sponsor: J. French Hill (U.S. Representative, AR-2, Republican)

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From Congress.gov and official rosters. This record was last updated Sep 23, 2026. About our data

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.

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

    (393) (16) (0) (21)

Related bills

As identified by Congress.gov.

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 H3645-3646)

    Considered as unfinished business. (consideration: CR H3645-3646)

  4. May 20, 2026

    Considered as Unfinished business. (consideration: cr H3645-3646)

    Considered as unfinished business. (consideration: CR H3645-3646)

  5. May 20, 2026

    Passed a chamber

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

Show full history (16 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

    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).

    U.S. House of Representatives

  3. 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.

  4. 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.

  5. May 19, 2026

    Debate - the House Proceeded With Forty Minutes of Debate on H.R. 5317.

    DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.

    U.S. House of Representatives

  6. Nov 4, 2025

    Placed on the Union Calendar, Calendar No. 321.

  7. Nov 4, 2025

    Placed on the Union Calendar, Calendar No. 321.

  8. Nov 4, 2025

    Reported out of committee

    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.

  9. Nov 4, 2025

    Reported out of committee

    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.

  10. Sep 16, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  11. Sep 16, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  12. Sep 16, 2025

    Reported out of committee

    Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.

  13. Sep 16, 2025

    Reported out of committee

    Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.

  14. Sep 11, 2025

    Introduced

    Introduced in House

    U.S. House of Representatives

  15. Sep 11, 2025

    Introduced

    Introduced in U.S. House

    U.S. House

  16. Sep 11, 2025

    Referred to committee

    Referred to the House Committee on Financial Services.

    U.S. House of Representatives

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