Community Bank Deposit Access Act of 2025

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Introduced 2025-09-11Topic: economy jobs · governance ethics · budget

Summary

Summary by the Congressional Research Service

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.

Full text and official record on Congress.gov

Recorded votes

Date	Chamber	Question	Result	Yeas	Nays
2026-05-20	House roll 179	On Motion to Suspend the Rules and Pass, as Amended	Passed	393	16

Action history

Date	Chamber	Action	Status effect
2026-05-21	Senate	Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.	refer
2026-05-20	House	Motion to reconsider laid on the table Agreed to without objection.
2026-05-20	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).
2026-05-20		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).	floor pass
2026-05-20	House	Considered as unfinished business. (consideration: CR H3645-3646)
2026-05-19	House	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.
2026-05-19	House	DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
2026-05-19	House	Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
2026-05-19	House	Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
2025-11-04	House	Placed on the Union Calendar, Calendar No. 321.
2025-11-04	House	Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.	report
2025-11-04		Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.	report
2025-09-16	House	Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.	refer
2025-09-16	House	Committee Consideration and Mark-up Session Held	refer
2025-09-11	House	Referred to the House Committee on Financial Services.	refer
2025-09-11		Introduced in House	introduce
2025-09-11		Introduced in House	introduce

Summary

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Recorded votes

Action history