H.R. 5317 · 119th Congress
Community Bank Deposit Access Act of 2025
Where it stands
- Introduced Done · Sep 11, 2025
- Committee Done · Sep 11, 2025
- Passed House Done · May 20, 2026
- Passed Senate Not yet
- President Not yet
- 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
- No cost estimate yet.
- 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
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.
Summary by the Congressional Research Service (Reported to House version), via Congress.gov. These are proposed provisions, not enacted law.
Recorded votes
-
On Motion to Suspend the Rules and Pass, as Amended: Passed (393–16)
This vote decided whether the bill passes this chamber.Votes by party
How each party voted on roll call 179 Party Yes No Present Did not vote Share voting Yes Democratic 189 16 0 7 Republican 203 0 0 14 Independent 1 0 0 0 Party totals from the official roll call.
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
- May 21, 2026Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- May 20, 2026Motion to reconsider laid on the table Agreed to without objection.
- May 20, 2026On 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).
- 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): 393 - 16 (Roll no. 179).
- May 20, 2026Considered as unfinished business. (consideration: CR H3645-3646)
- 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.
- May 19, 2026DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
- May 19, 2026Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
- May 19, 2026Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
- Nov 4, 2025Placed on the Union Calendar, Calendar No. 321.
- Nov 4, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
- Nov 4, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
- Sep 16, 2025Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
- Sep 16, 2025Committee Consideration and Mark-up Session Held
- Sep 11, 2025Referred to the House Committee on Financial Services.
- Sep 11, 2025Introduced in House
- Sep 11, 2025Introduced in House