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H.R. 4544Passed House

American Access to Banking Act

Introduced: Jul 17, 2025

Latest action date: May 21, 2026

Latest development

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

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Congress
119th Congress
Introduced
Jul 17, 2025
Recorded roll calls
1

Status detail: The full action history records passage in the House.

Plain-language overview

What this bill does

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.

Official summary from Congress.gov.

Civixly topics

What this legislation is about

Civixly topics make federal and state legislation comparable. They are derived from the official CRS policy area and legislative subjects.

Official CRS policy area

Finance and Financial Sector

View 5 official legislative subjects
Banking and financial institutions regulationFinancial services and investmentsIntergovernmental relationsLicensing and registrationsState and local government operations

Committee activity

Committees and subcommittees that received, reviewed, marked up, or reported this legislation.

houseStanding

Financial Services Committee

Official committee record ↗
  1. Referred To
  2. Markup By
  3. Markup By
  4. Reported By

Amendments

Proposed changes to this measure, with their latest official outcome or action from Congress.gov.

No amendments are listed for this measure.

Checked against Congress.gov Oct 15, 2026.

Action timeline

Newest action first. Action language comes from the official Congress.gov record.

View full action timeline18 actions
  1. Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

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

    FloorHouse floor actions
  3. 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).

    FloorHouse floor actions
  4. 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).

    FloorLibrary of Congress
  5. Considered as unfinished business. (consideration: CR H3645)

    FloorHouse floor actions
  6. 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.

    FloorHouse floor actions
  7. DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.

    FloorHouse floor actions
  8. Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)

    FloorHouse floor actions
  9. Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.

    FloorHouse floor actions
  10. Placed on the Union Calendar, Calendar No. 210.

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

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

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

    CommitteeHouse committee actions
  14. Committee Consideration and Mark-up Session Held

    CommitteeHouse committee actions
  15. Committee Consideration and Mark-up Session Held

    CommitteeHouse committee actions
  16. Introduced in House

    IntroReferralLibrary of Congress
  17. Introduced in House

    IntroReferralLibrary of Congress
  18. Referred to the House Committee on Financial Services.

    IntroReferralHouse floor actions

Roll-call votes

Recorded House and Senate votes connected to this bill. Your representatives appear first when available.

PassedMay 20, 2026House · Roll call 178

On Motion to Suspend the Rules and Pass, as Amended

405 Yea4 Nay21 Not Voting
View 430 recorded positions
Angie CraigNot Voting
Barry MooreNot Voting
Carol D. MillerNot Voting
Chip RoyNot Voting
Elijah CraneNot Voting
Julie JohnsonNot Voting
Mike EzellNot Voting
Nancy MaceNot Voting
Richard E. NealNot Voting
Sam GravesNot Voting
Steve CohenNot Voting
Thomas MassieNot Voting

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Sources: Congress.gov and official House and Senate vote records.

View data freshness details

Base metadata check pending · Civixly summary check pending · Action timeline checked Oct 15, 2026 · Complete sponsorship check pending · Topics checked Oct 15, 2026 · Committees checked Oct 15, 2026 · Status checked Oct 15, 2026 · Related bills checked Oct 15, 2026.