HR5317: Community Bank Deposit Access Act of 2025
119th Congress (2025–2027) · House bill · Sponsor: Rep. Hill, J. French [R-AR-2]
119th Congress (2025–2027) · House bill · Sponsor: Rep. Hill, J. French [R-AR-2]
| 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 |
Community Bank Deposit Access Act of 2025This 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.
Subjects: Bank accounts, deposits, capital, Banking and financial institutions regulation, Business investment and capital, Interest, dividends, interest rates
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 | 393 | 16 | 21 | Official tally |
HR5317 (Community Bank Deposit Access Act of 2025) was introduced in the 119th Congress (2025–2027) by Rep. Hill, J. French [R-AR-2].
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.