Community Bank Deposit Access Act of 2025
Introduced Sep 11, 2025 by Rep. J. French Hill
The House passed it. The Senate has to pass it before it can reach the President.
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.
- 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.
- 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