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119th Congress · H.R. 3234 · Passed Origin

Keeping Deposits Local Act

This bill increases the amount insured depository institutions may accept as reciprocal deposits. (Reciprocal deposits are used by institutions to increase the availability of deposit insurance by splitting large deposits using a reciprocal network of institutions.) The bill creates a tiered system so that the allowable amount is based on the institution's total liabilities. Additionally, the bill changes certain qualifications insured depository institutions may be required to have to accept reciprocal deposits. Under current law, institutions may qualify by having a composite rating of outstanding or good, among other requirements. The bill allows institutions with a 1, 2, or 3 rating under the CAMELS scale to qualify. (The Uniform Financial Institutions Rating System uses the characteristics of capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk (i.e., CAMELS ratings) to rate the health of financial institutions, with a 1 indicating the highest rating and least degree of supervisory concern and a 5 indicating the lowest rating and highest degree of supervisory concern.)

Full bill text →

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SubjectsBank accounts, deposits, capitalBanking and financial institutions regulation

XML scalars

congress
119
type
HR
number
3234
originChamber
House
originChamberCode
H
introducedDate
2025-05-07
updateDate
2026-09-19T23:41:03Z
updateDateIncludingText
2026-09-19T23:41:03Z
title
Keeping Deposits Local Act
legislationUrl
https://www.congress.gov/bill/119th-congress/house-bill/3234

Constitutional authority statement (CDATA)

[Congressional Record Volume 171, Number 76 (Wednesday, May 7, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. EMMER:H.R. 3234.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the United States Constitution[Page H1910]

Pipeline

Track
federal_presidential
Stage
Passed Chamber of Origin
Stage rank
2

Sponsor

  • Rep. Emmer, Tom [R-MN-6] · [R-MN-6] · E000294
    Rep-MN-6 current · 6 terms · @RepTomEmmer · 2 district offices

Sponsor record (congress_legislators)

Bio (legislators)

bioguide
E000294
status
current
official_full
Tom Emmer
first
Tom
middle
null
last
Emmer
suffix
null
nickname
null
birthday
1961-03-03
gender
M

Current term (6 total)

type
rep
state
MN
district
6
class
null
party
Republican
caucus
null
start
2025-01-03
end
2027-01-03
end_type
null
how
null
url
https://emmer.house.gov
address
326 Cannon House Office Building Washington DC 20515-2306
office
326 Cannon House Office Building
phone
202-225-2331
fax
null
contact_form
null
rss_url
null

Leadership roles (2)

  • House Majority Whip · house · 2023-01-03 – 2025-01-03
  • House Majority Whip · house · 2025-01-03 – present

Committee memberships (2)

  • Digital Assets, Financial Technology, and Artificial Intelligence (house) · house · Vice Chairman · rank 2
  • House Committee on Financial Services (house) · house · rank 8 · site

Social media

District offices (2)

  • 9201 Quaday Ave. NE, Suite 206, Otsego, MN, 55330 · 763-241-6848 · fax 763-241-7955 · 45.2839958,-93.5648066
  • 1107 Hazeltine Blvd, Suite 476, Chaska, MN, 55318 · 952-262-2999 · 44.836167,-93.5995225

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id
H4MN06087
cycle
2026
name
EMMER, THOMAS EARL JR.
party
REPUBLICAN PARTY
office
House
state
MN
district
06
incumbent_challenge
Incumbent
candidate_status
C
active_through
2026
election_year
null
first_file_date
2013-06-07
last_file_date
2024-11-12
last_f2_date
2024-11-12
address
null

Candidate summary (candidate_summaries) · cycle 2026

cycle
2026
total_receipts
$9,786,063.83
total_disbursements
$6,978,508.30
cash_on_hand_end_period
$4,496,007.36
debts_owed_by_committee
$0.00
coverage_start_date
2025-01-01
coverage_end_date
2026-07-22

Connected committees (0)

none

Cosponsors (11)

  • Rep. Beatty, Joyce [D-OH-3] · [D-OH-3] · B001281 · Co-sponsored 2025-05-07 · original
    Dem-OH-3 current · 7 terms · @RepBeatty · 1 district office
  • Rep. Meuser, Daniel [R-PA-9] · [R-PA-9] · M001204 · Co-sponsored 2025-05-07 · original
    Rep-PA-9 current · 4 terms · @RepMeuser · 7 district offices
  • Rep. Moore, Gwen [D-WI-4] · [D-WI-4] · M001160 · Co-sponsored 2025-05-07 · original
    Dem-WI-4 current · 11 terms · @RepGwenMoore · 1 district office
  • Rep. Barr, Andy [R-KY-6] · [R-KY-6] · B001282 · Co-sponsored 2025-05-20
    Rep-KY-6 current · 7 terms · @RepAndyBarr · 1 district office
  • Rep. Flood, Mike [R-NE-1] · [R-NE-1] · F000474 · Co-sponsored 2025-07-02
    Rep-NE-1 current · 3 terms · @USRepMikeFlood · 1 district office
  • Rep. Williams, Roger [R-TX-25] · [R-TX-25] · W000816 · Co-sponsored 2025-07-02
    Rep-TX-25 current · 7 terms · @RepRWilliams · 2 district offices
  • Rep. Ezell, Mike [R-MS-4] · [R-MS-4] · E000235 · Co-sponsored 2025-09-11
    Rep-MS-4 current · 2 terms · @RepEzell · 4 district offices
  • Rep. Sessions, Pete [R-TX-17] · [R-TX-17] · S000250 · Co-sponsored 2025-09-15
    Rep-TX-17 current · 14 terms · @PeteSessions · 5 district offices
  • Rep. Golden, Jared F. [D-ME-2] · [D-ME-2] · G000592 · Co-sponsored 2025-09-18
    Dem-ME-2 current · 4 terms · @RepGolden · 3 district offices
  • Rep. Bergman, Jack [R-MI-1] · [R-MI-1] · B001301 · Co-sponsored 2025-09-18
    Rep-MI-1 current · 5 terms · @RepJackBergman · 2 district offices
  • Rep. Rogers, Mike D. [R-AL-3] · [R-AL-3] · R000575 · Co-sponsored 2025-11-04
    Rep-AL-3 current · 12 terms · @RepMikeRogersAL · 2 district offices

Committees (2)

  • Banking, Housing, and Urban Affairs Committee [Senate Standing]
    2026-05-21T17:40:12ZReferred To
  • Financial Services Committee [House Standing]
    2025-11-04T18:46:00ZReported By
    2025-09-16T14:38:33ZMarkup By
    2025-05-07T14:05:15ZReferred To

Actions — from XML (17)

  • 2026-05-21IntroReferralvia Senate
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  • 2026-05-20 13:08:40FloorH38310via House floor actions
    Motion to reconsider laid on the table Agreed to without objection.
  • 2026-05-20 13:08:38FloorH37300via House floor actions
    On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 405 - 0 (Roll no. 177).
    VoteHouse roll 177 — source
  • 2026-05-20 13:08:38Floor8000via Library of Congress
    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 - 0 (Roll no. 177).
    VoteHouse roll 177 — source
  • 2026-05-20 13:04:44FloorH30000via House floor actions
    Considered as unfinished business. (consideration: CR H3644-3645)
  • 2026-05-19 17:17:46FloorH37220via House floor actions
    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 17:02:37FloorH8D000via House floor actions
    DEBATE - The House proceeded with forty minutes of debate on H.R. 3234.
  • 2026-05-19 17:02:36FloorH30000via House floor actions
    Considered under suspension of the rules. (consideration: CR H3582-3584; text: CR H3582)
  • 2026-05-19 17:02:25FloorH30300via House floor actions
    Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  • 2025-11-04CalendarsH12410via House floor actions
    Placed on the Union Calendar, Calendar No. 314.
  • 2025-11-04CommitteeH12200via House floor actions
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-362.
  • 2025-11-04Committee5000via Library of Congress
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-362.
  • 2025-09-16Committeevia House committee actions
    Ordered to be Reported (Amended) by the Yeas and Nays: 51 - 0.
  • 2025-09-16Committeevia House committee actions
    Committee Consideration and Mark-up Session Held
  • 2025-05-07IntroReferralH11100via House floor actions
    Referred to the House Committee on Financial Services.
  • 2025-05-07IntroReferralIntro-Hvia Library of Congress
    Introduced in House
  • 2025-05-07IntroReferral1000via Library of Congress
    Introduced in House

Actions — from bill_actions table (0)

none

Titles

  • Display Title2026-09-19T23:41:03Z
    Keeping Deposits Local Act
  • Short Titles from RFS (Referred to Senate) bill textRFSS2026-05-23T06:53:30Z
    Keeping Deposits Local Act
  • Short Title(s) as Passed HouseEHH2026-05-22T04:23:39Z
    Keeping Deposits Local Act
  • Official Title from EH (Engrossed in House) bill textEHH2026-05-22T04:23:39Z
    To amend the Federal Deposit Insurance Act to modify the amount of reciprocal deposits of an insured depository institution that are not considered to be funds obtained by or through a deposit broker, and for other purposes.
  • Short Title(s) as Reported to HouseRHH2025-11-05T03:53:12Z
    Keeping Deposits Local Act
  • Official Title as IntroducedIH2025-05-15T03:59:21Z
    To amend the Federal Deposit Insurance Act to modify the amount of reciprocal deposits of an insured depository institution that are not considered to be funds obtained by or through a deposit broker, and for other purposes.

Text versions (from XML)

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

00 · 2025-05-07 · Introduced in House

This bill increases the amount insured depository institutions may accept as reciprocal deposits. (Reciprocal deposits are used by institutions to increase the availability of deposit insurance by splitting large deposits using a reciprocal network of institutions.) The bill creates a tiered system so that the allowable amount is based on the institution's total liabilities.

Additionally, the bill changes certain qualifications insured depository institutions may be required to have to accept reciprocal deposits. Under current law, institutions may qualify by having a composite rating of outstanding or good, among other requirements. The bill allows institutions with a 1, 2, or 3 rating under the CAMELS scale to qualify. (The Uniform Financial Institutions Rating System uses the characteristics of capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk (i.e., CAMELS ratings) to rate the health of financial institutions, with a 1 indicating the highest rating and least degree of supervisory concern and a 5 indicating the lowest rating and highest degree of supervisory concern.)

Related bills

  • HR 6955 (119) Main Street Capital Access Act
    Latest: 2026-07-22 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
    Relationship: Related bill (via CRS)

Amendments (0)

none

Laws

none

Committee reports

  • H. Rept. 119-362

Calendar number

null

CBO cost estimates

none

Latest action

Date
2026-05-21
Text
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Time
null

Dublin Core

format
text/xml
language
EN
rights
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
contributor
Congressional Research Service, Library of Congress
description
This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.

Row fields (debug)

id
3102
congress
119
bill_type
hr
bill_number
3234
bill_slug
hr-3234-119
title
Keeping Deposits Local Act
short_title
Keeping Deposits Local Act
sponsor_bioguide_id
E000294
sponsor_name
Rep. Emmer, Tom [R-MN-6]
sponsor_party
R
sponsor_state
MN
introduced_date
2025-05-07
latest_action_date
2026-05-21
latest_action_text
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
status
Committee
policy_area
Finance and Financial Sector
subjects_json
[
  "Bank accounts, deposits, capital",
  "Banking and financial institutions regulation"
]
govinfo_billstatus_path
BILLSTATUS-119hr3234
raw_billstatus_xml
<?xml version="1.0" encoding="utf-8" standalone="no"?> <billStatus> <version>3.0.0</version> <bill> <number>3234</number> <updateDate>2026-09-19T23:41:03Z</updateDate> <updateDateIncludingText>2026-09-19T23:41:03Z</updateDateIncludingText> <originChamber>House</originChamber> <originChamberCode>H</originChamberCode> <type>HR</type> <introducedDate>2025-05-07</int…
summary_lede
This bill increases the amount insured depository institutions may accept as reciprocal deposits. (Reciprocal deposits are used by institutions to increase the availability of deposit insurance by splitting large deposits using a reciprocal network of institutions.) The bill creates a tiered system so that the allowable amount is based on the institution's total liabilities. Additionally, the b…
topic_primary
finance
topic_secondary_json
[]
action_family
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response_available
0
response_type
null
response_deadline
null
importance_score
null
consequence_score
null
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null
overall_score
null
in_canopy
0
canopy_expires_at
null
pipeline_track
federal_presidential
pipeline_stage
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stable_action_id
hr-3234-119
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federal
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2026-04-20T08:15:57.988066+00:00
last_seen_at
2026-09-27T11:30:22.070413+00:00
⎔ Anchored0x0000…0000Epoch 2026-Q4