American Access to Banking Act

Where it stands

1. Introduced Done · Jul 17, 2025
2. Committee Done · Jul 17, 2025
3. Passed House Done · May 20, 2026
4. Passed Senate Not yet
5. President Not yet
6. Law Not yet

From the official actions on Congress.gov.

Key points

What it changes

A plain-language summary isn't ready yet. The official summary below describes the bill.

Who it affects

A plain-language summary isn't ready yet. The official summary below describes the bill.

What it costs

The Congressional Budget Office published a cost estimate on Feb 6, 2026 (as reported by the House Committee on Financial Services on September 8, 2025): H.R. 4544, American Access to Banking Act ↗

Where it stands

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (May 21, 2026)

What happens next

The Senate would need to pass it next.

Official summary

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.

Summary by the Congressional Research Service (Introduced in House version), via Congress.gov. These are proposed provisions, not enacted law.

Recorded votes

1. HOUSEFinal passageMay 20, 2026 · roll call 178

   On Motion to Suspend the Rules and Pass, as Amended: Passed (405–4)

   This vote decided whether the bill passes this chamber.
   Votes by party

   How each party voted on roll call 178

   Party	Yes	No	Present	Did not vote	Share voting Yes
   Democratic	205	0	0	7
   Republican	199	4	0	14
   Independent	1	0	0	0

   Party totals from the official roll call.

   Map: how each state voted

   All voted YesSplitAll voted NoNo Yes or No votes

   Each state is shaded by the share of its U.S. House members who voted Yes, out of those who voted Yes or No. Colors show the vote, not party.

   Office of the Clerk, U.S. House ↗ — includes how every member voted

Vote types come from the official question text. How we label votes

Legislative history

1. May 21, 2026Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
2. May 20, 2026Motion to reconsider laid on the table Agreed to without objection.
3. May 20, 2026On 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).
4. May 20, 2026Passed/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).
5. May 20, 2026Considered as unfinished business. (consideration: CR H3645)
6. May 19, 2026At 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.
7. May 19, 2026DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
8. May 19, 2026Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
9. May 19, 2026Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
10. Sep 8, 2025Placed on the Union Calendar, Calendar No. 210.
11. Sep 8, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
12. Sep 8, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
13. Jul 23, 2025Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
14. Jul 23, 2025Committee Consideration and Mark-up Session Held
15. Jul 22, 2025Committee Consideration and Mark-up Session Held
16. Jul 17, 2025Referred to the House Committee on Financial Services.
17. Jul 17, 2025Introduced in House
18. Jul 17, 2025Introduced in House