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119th Congress · H.R. 4544 · Passed Origin

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.

Full bill text →

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SubjectsBanking and financial institutions regulationFinancial services and investmentsIntergovernmental relationsLicensing and registrationsState and local government operations
Sponsor
Maxine Waters, D-CA-43
18 terms · @RepMaxineWaters
Official website ↗
2221 Rayburn House Office Building Washington DC 20515-0543 · 202-225-2201
Committees (2)
  • Banking, Housing, and Urban Affairs Committee
    Senate Standing · Activity May 21, 2026
  • Financial Services Committee
    House Standing · Activity Sep 8, 2025
Actions (18)
  1. May 21, 2026 · via Senate
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. May 20, 2026 · via House floor actions
    Motion to reconsider laid on the table Agreed to without objection.
  3. May 20, 2026 · via 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 - 4 (Roll no. 178).
  4. May 20, 2026 · via 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 - 4 (Roll no. 178).
  5. May 20, 2026 · via House floor actions
    Considered as unfinished business. (consideration: CR H3645)
  6. May 19, 2026 · via 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.
  7. May 19, 2026 · via House floor actions
    DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
  8. May 19, 2026 · via House floor actions
    Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
  9. May 19, 2026 · via House floor actions
    Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  10. Sep 8, 2025 · via House floor actions
    Placed on the Union Calendar, Calendar No. 210.
  11. Sep 8, 2025 · via House floor actions
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
  12. Sep 8, 2025 · via Library of Congress
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
  13. Jul 23, 2025 · via House committee actions
    Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
  14. Jul 23, 2025 · via House committee actions
    Committee Consideration and Mark-up Session Held
  15. Jul 22, 2025 · via House committee actions
    Committee Consideration and Mark-up Session Held
  16. Jul 17, 2025 · via House floor actions
    Referred to the House Committee on Financial Services.
  17. Jul 17, 2025 · via Library of Congress
    Introduced in House
  18. Jul 17, 2025 · via Library of Congress
    Introduced in House
IntroducedJul 17, 2025
Policy areaFinance and Financial Sector
RelatedH.R. 6644
SourceView on Congress.gov ↗
Bill textRead full text →

Constitutional authority cited

[Congressional Record Volume 171, Number 123 (Thursday, July 17, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Ms. WATERS:H.R. 4544.Congress has the power to enact this legislation pursuantto the following:Clause 3 of Section 8 of Article I of the Constitution,which provides Congress with the power to ``regulate commercewith foreign nations, and among the several states, and withthe Indian tribes.''[Page H3477]
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