Banking, Housing, and Urban Affairs Committee
- Referred To
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.
Status detail: The full action history records passage in the House.
Plain-language overview
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
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
Committees and subcommittees that received, reviewed, marked up, or reported this legislation.
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.
Newest action first. Action language comes from the official Congress.gov record.
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Motion to reconsider laid on the table Agreed to without objection.
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).
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).
Considered as unfinished business. (consideration: CR H3645-3646)
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.
DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
Placed on the Union Calendar, Calendar No. 321.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Recorded House and Senate votes connected to this bill. Your representatives appear first when available.
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