Govoptes

HR 5317 · Community Bank Deposit Access Act of 2025

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

Introduced
Sep 11, 2025
Latest action
May 21, 2026
Sponsor
Rep. J. French Hill [R-AR-2]
Policy area
Finance and Financial Sector
Cosponsors
0

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.

Recent actions

  1. 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.
  2. May 19, 2026 DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
  3. May 19, 2026 Considered under suspension of the rules.
  4. May 19, 2026 Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  5. Nov 4, 2025 Placed on the Union Calendar, Calendar No. 321.
  6. Nov 4, 2025 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  7. Nov 4, 2025 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  8. Sep 16, 2025 Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.

Votes

  • Passed Passed · May 20, 2026, 5:15 PM

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