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Referred to the House Committee on Oversight and Government Reform.
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119th Congress · H.R. 5317 · Passed Origin

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 bill text →

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SubjectsBank accounts, deposits, capitalBanking and financial institutions regulationBusiness investment and capitalInterest, dividends, interest rates

XML scalars

congress
119
type
HR
number
5317
originChamber
House
originChamberCode
H
introducedDate
2025-09-11
updateDate
2026-09-19T23:40:47Z
updateDateIncludingText
2026-09-19T23:40:47Z
title
Community Bank Deposit Access Act of 2025
legislationUrl
https://www.congress.gov/bill/119th-congress/house-bill/5317

Constitutional authority statement (CDATA)

[Congressional Record Volume 171, Number 149 (Thursday, September 11, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. HILL of Arkansas:H.R. 5317.Congress has the power to enact this legislation pursuantto the following:Article I Section 8 of the Constitution[Page H4265]

Pipeline

Track
federal_presidential
Stage
Passed Chamber of Origin
Stage rank
2

Sponsor

  • Rep. Hill, J. French [R-AR-2] · [R-AR-2] · H001072
    Rep-AR-2 current · 6 terms · @RepFrenchHill · 2 district offices

Sponsor record (congress_legislators)

Bio (legislators)

bioguide
H001072
status
current
official_full
J. French Hill
first
J.
middle
French
last
Hill
suffix
null
nickname
null
birthday
1956-12-05
gender
M

Current term (6 total)

type
rep
state
AR
district
2
class
null
party
Republican
caucus
null
start
2025-01-03
end
2027-01-03
end_type
null
how
null
url
https://hill.house.gov
address
1533 Longworth House Office Building Washington DC 20515-0402
office
1533 Longworth House Office Building
phone
202-225-2506
fax
null
contact_form
null
rss_url
null

Leadership roles (0)

none

Committee memberships (4)

  • House Committee on Financial Services (house) · house · Chair · rank 1 · site
  • House Permanent Select Committee on Intelligence (house) · house · rank 7 · site
  • National Intelligence Enterprise (house) · house · rank 3
  • National Security Agency and Cyber (house) · house · rank 4

Social media

District offices (2)

  • 1501 N. University Ave., Suite 630, Little Rock, AR, 72207 · 501-324-5941 · fax 501-324-6029 · 34.76512630000001,-92.3397715
  • 900 Oak Street, Conway, AR, 72032 · 501-902-5733 · fax 501-324-6029 · 35.0919384,-92.4379742

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id
H4AR02141
cycle
2026
name
HILL, JAMES FRENCH
party
REPUBLICAN PARTY
office
House
state
AR
district
02
incumbent_challenge
Incumbent
candidate_status
C
active_through
2026
election_year
null
first_file_date
2013-10-29
last_file_date
2026-02-24
last_f2_date
2026-02-24
address
null

Candidate summary (candidate_summaries) · cycle 2026

cycle
2026
total_receipts
$4,421,509.93
total_disbursements
$2,830,320.69
cash_on_hand_end_period
$2,967,541.43
debts_owed_by_committee
$0.00
coverage_start_date
2025-01-01
coverage_end_date
2026-06-30

Connected committees (0)

none

Cosponsors (0)

none

Committees (2)

  • Banking, Housing, and Urban Affairs Committee [Senate Standing]
    2026-05-21T17:39:30ZReferred To
  • Financial Services Committee [House Standing]
    2025-11-04T18:49:50ZReported By
    2025-09-16T14:36:50ZMarkup By
    2025-09-11T13:01:35ZReferred 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 13:16:04FloorH38310via House floor actions
    Motion to reconsider laid on the table Agreed to without objection.
  • 2026-05-20 13:16:02FloorH37300via 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): 393 - 16 (Roll no. 179).
    VoteHouse roll 179 — source
  • 2026-05-20 13:16:02Floor8000via 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): 393 - 16 (Roll no. 179).
    VoteHouse roll 179 — source
  • 2026-05-20 13:13:18FloorH30000via House floor actions
    Considered as unfinished business. (consideration: CR H3645-3646)
  • 2026-05-19 17:40:44FloorH37220via 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 17:29:20FloorH8D000via House floor actions
    DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
  • 2026-05-19 17:29:19FloorH30000via House floor actions
    Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
  • 2026-05-19 17:29:08FloorH30300via 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. 321.
  • 2025-11-04CommitteeH12200via House floor actions
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  • 2025-11-04Committee5000via Library of Congress
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  • 2025-09-16Committeevia House committee actions
    Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
  • 2025-09-16Committeevia House committee actions
    Committee Consideration and Mark-up Session Held
  • 2025-09-11IntroReferralH11100via House floor actions
    Referred to the House Committee on Financial Services.
  • 2025-09-11IntroReferralIntro-Hvia Library of Congress
    Introduced in House
  • 2025-09-11IntroReferral1000via Library of Congress
    Introduced in House

Actions — from bill_actions table (0)

none

Titles

  • Display Title2026-09-19T23:40:47Z
    Community Bank Deposit Access Act of 2025
  • Short Titles from RFS (Referred to Senate) bill textRFSS2026-05-23T06:53:30Z
    Community Bank Deposit Access Act of 2025
  • Short Title(s) as Passed HouseEHH2026-05-22T04:23:39Z
    Community Bank Deposit Access Act of 2025
  • Official Title from EH (Engrossed in House) bill textEHH2026-05-22T04:23:39Z
    To amend the Federal Deposit Insurance Act to ensure that certain custodial deposits of well capitalized insured depository institutions are not considered to be funds obtained by or through deposit brokers, and for other purposes.
  • Short Title(s) as Reported to HouseRHH2025-11-05T03:53:12Z
    Community Bank Deposit Access Act of 2025
  • Short Title(s) as IntroducedIH2025-09-16T08:23:18Z
    Community Bank Deposit Access Act of 2025
  • Official Title as IntroducedIH2025-09-16T08:18:35Z
    To amend the Federal Deposit Insurance Act to ensure that certain custodial deposits of well capitalized insured depository institutions are not considered to be funds obtained by or through deposit brokers, and for other purposes.

Text versions (from XML)

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

07 · 2025-11-04 · Reported to House

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.

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)
  • HR 6644 (119) 21st Century ROAD to Housing Act
    Latest: 2026-07-11 — Became Public Law No: 119-101.
    Relationship: Related bill (via CRS), Contained in public law (via CRS)

Amendments (0)

none

Laws

none

Committee reports

  • H. Rept. 119-369

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
5912
congress
119
bill_type
hr
bill_number
5317
bill_slug
hr-5317-119
title
Community Bank Deposit Access Act of 2025
short_title
Community Bank Deposit Access Act of 2025
sponsor_bioguide_id
H001072
sponsor_name
Rep. Hill, J. French [R-AR-2]
sponsor_party
R
sponsor_state
AR
introduced_date
2025-09-11
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",
  "Business investment and capital",
  "Interest, dividends, interest rates"
]
govinfo_billstatus_path
BILLSTATUS-119hr5317
raw_billstatus_xml
<?xml version="1.0" encoding="utf-8" standalone="no"?> <billStatus> <version>3.0.0</version> <bill> <number>5317</number> <updateDate>2026-09-19T23:40:47Z</updateDate> <updateDateIncludingText>2026-09-19T23:40:47Z</updateDateIncludingText> <originChamber>House</originChamber> <originChamberCode>H</originChamberCode> <type>HR</type> <introducedDate>2025-09-11</int…
summary_lede
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…
topic_primary
finance
topic_secondary_json
[]
action_family
committee_active
response_available
0
response_type
null
response_deadline
null
importance_score
null
consequence_score
null
urgency_score
null
overall_score
null
in_canopy
0
canopy_expires_at
null
pipeline_track
federal_presidential
pipeline_stage
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pipeline_stage_rank
2
stable_action_id
hr-5317-119
jurisdiction
federal
lock_status
open
lock_at
null
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50edbfb18d62f92095f9bd1244ec085a00a701d16b125f56eca44020d264d2c1
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api_fill
first_seen_at
2026-04-20T08:15:57.988066+00:00
last_seen_at
2026-09-27T11:30:22.070413+00:00
⎔ Anchored0x0000…0000Epoch 2026-Q4