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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
Sponsor
J. F. Hill, R-AR-2
6 terms · @RepFrenchHill
Official website ↗
1533 Longworth House Office Building Washington DC 20515-0402 · 202-225-2506
Committees (2)
  • Banking, Housing, and Urban Affairs Committee
    Senate Standing · Activity May 21, 2026
  • Financial Services Committee
    House Standing · Activity Nov 4, 2025
Actions (17)
  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): 393 - 16 (Roll no. 179).
  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): 393 - 16 (Roll no. 179).
  5. May 20, 2026 · via House floor actions
    Considered as unfinished business. (consideration: CR H3645-3646)
  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. 5317.
  8. May 19, 2026 · via House floor actions
    Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
  9. May 19, 2026 · via House floor actions
    Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  10. Nov 4, 2025 · via House floor actions
    Placed on the Union Calendar, Calendar No. 321.
  11. Nov 4, 2025 · via House floor actions
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  12. Nov 4, 2025 · via Library of Congress
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  13. Sep 16, 2025 · via House committee actions
    Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
  14. Sep 16, 2025 · via House committee actions
    Committee Consideration and Mark-up Session Held
  15. Sep 11, 2025 · via House floor actions
    Referred to the House Committee on Financial Services.
  16. Sep 11, 2025 · via Library of Congress
    Introduced in House
  17. Sep 11, 2025 · via Library of Congress
    Introduced in House
IntroducedSep 11, 2025
Policy areaFinance and Financial Sector
RelatedH.R. 6955 · H.R. 6644
SourceView on Congress.gov ↗
Bill textRead full text →

Constitutional authority cited

[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]
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