American Access to Banking Act
Bill journey · stage 2 of 5
Under committee review
What it doesSummary introduced in house (Jul 17, 2025)
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.
What just happenedMay 21, 2026
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Who’s behind it
- Referred in SenateMay 21, 2026
- Engrossed in HouseMay 20, 2026
- Reported in HouseSep 8, 2025
- Introduced in HouseJul 17, 2025
- May 21, 2026IntroReferral
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- May 20, 2026FloorH38310
Motion to reconsider laid on the table Agreed to without objection.
- May 20, 2026FloorH37300
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).
- May 20, 2026Floor8000
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).
- May 20, 2026FloorH30000
Considered as unfinished business. (consideration: CR H3645)
- May 19, 2026FloorH37220
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.
- May 19, 2026FloorH8D000
DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
- May 19, 2026FloorH30000
Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
- May 19, 2026FloorH30300
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
- Sep 8, 2025CalendarsH12410
Placed on the Union Calendar, Calendar No. 210.
- Sep 8, 2025CommitteeH12200
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
- Sep 8, 2025Committee5000
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
- Jul 23, 2025Committee
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
- Jul 23, 2025Committee
Committee Consideration and Mark-up Session Held
- Jul 22, 2025Committee
Committee Consideration and Mark-up Session Held
- Jul 17, 2025IntroReferralH11100
Referred to the House Committee on Financial Services.
- Jul 17, 2025IntroReferralIntro-H
Introduced in House
- Jul 17, 2025IntroReferral1000
Introduced in House