HR4544: American Access to Banking Act
119th Congress (2025–2027) · House bill · Sponsor: Rep. Waters, Maxine [D-CA-43]
119th Congress (2025–2027) · House bill · Sponsor: Rep. Waters, Maxine [D-CA-43]
| Item | Detail |
|---|---|
| Roll-call votes | 1 |
| Chamber | House |
| Latest vote | 2026-05-20: Passed |
| Latest action | 2026-05-21: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Policy area | Finance and Financial Sector |
| Official record | Congress.gov |
American Access to Banking ActThis 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.
Subjects: Banking and financial institutions regulation, Financial services and investments, Intergovernmental relations, Licensing and registrations, State and local government operations
Every recorded vote on this bill, newest first, with a link to the official tally. Member-by-member positions are on each member’s profile.
| Date | Chamber | Question | Result | Yea | Nay | Not voting | Record |
|---|---|---|---|---|---|---|---|
| 2026-05-20 | House | 2/3 Yea-And-Nay | Passed | 405 | 4 | 21 | Official tally |
HR4544 (American Access to Banking Act) was introduced in the 119th Congress (2025–2027) by Rep. Waters, Maxine [D-CA-43].
On 2026-05-21: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
1 recorded vote in the 119th Congress. The most recent, on 2026-05-20, was "2/3 Yea-And-Nay": Passed.