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H.R. 5317Passed House

Community Bank Deposit Access Act of 2025

Introduced: Sep 11, 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
Sep 11, 2025
Recorded roll calls
1

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

Plain-language overview

What this bill does

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.

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 4 official legislative subjects
Bank accounts, deposits, capitalBanking and financial institutions regulationBusiness investment and capitalInterest, dividends, interest rates

Committee activity

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

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 Sep 17, 2026.

Action timeline

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

View full action timeline17 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): 393 - 16 (Roll no. 179).

    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): 393 - 16 (Roll no. 179).

    FloorLibrary of Congress
  5. Considered as unfinished business. (consideration: CR H3645-3646)

    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. 5317.

    FloorHouse floor actions
  8. Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)

    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. 321.

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

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

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

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

    CommitteeHouse committee actions
  15. Referred to the House Committee on Financial Services.

    IntroReferralHouse floor actions
  16. Introduced in House

    IntroReferralLibrary of Congress
  17. Introduced in House

    IntroReferralLibrary of Congress

Roll-call votes

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

PassedMay 20, 2026House · Roll call 179

On Motion to Suspend the Rules and Pass, as Amended

Vote source ↗
393 Yea16 Nay21 Not Voting
View 430 recorded positions
Angie CraigNot Voting
Barry MooreNot Voting
Brad KnottNot 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

Discussion

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

View data freshness details

Base metadata checked Sep 17, 2026 · Summary checked Sep 17, 2026 · Action timeline checked Sep 17, 2026 · Sponsorship checked Sep 17, 2026 · Topics checked Sep 17, 2026 · Committees checked Sep 17, 2026 · Status checked Sep 17, 2026 · Related bills checked Sep 17, 2026.