Community Bank Deposit Access Act of 2025
Bill journey · stage 2 of 5
Under committee review
What it doesSummary reported to house (Nov 4, 2025)
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.
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 HouseNov 4, 2025
- Introduced in HouseSep 11, 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): 393 - 16 (Roll no. 179).
- 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): 393 - 16 (Roll no. 179).
- May 20, 2026FloorH30000
Considered as unfinished business. (consideration: CR H3645-3646)
- 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. 5317.
- May 19, 2026FloorH30000
Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
- May 19, 2026FloorH30300
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
- Nov 4, 2025CalendarsH12410
Placed on the Union Calendar, Calendar No. 321.
- Nov 4, 2025CommitteeH12200
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
- Nov 4, 2025Committee5000
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
- Sep 16, 2025Committee
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
- Sep 16, 2025Committee
Committee Consideration and Mark-up Session Held
- Sep 11, 2025IntroReferralH11100
Referred to the House Committee on Financial Services.
- Sep 11, 2025IntroReferralIntro-H
Introduced in House
- Sep 11, 2025IntroReferral1000
Introduced in House