3.0.0
3234
2025-12-15T23:02:43Z
2025-12-15T23:02:43Z
House
H
HR
2025-05-07
119
https://www.congress.gov/bill/119th-congress/house-bill/3234
[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]
- hsba00
Financial Services Committee
House
Standing
  - Reported By
2025-11-04T18:46:00Z
  - Markup By
2025-09-16T14:38:33Z
  - Referred To
2025-05-07T14:05:15Z
H. Rept. 119-362
- 2025-11-04
Placed on the Union Calendar, Calendar No. 314.
Calendars
H12410
2
House floor actions
U00314
- 2025-11-04
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-362.
Committee
H12200
2
House floor actions
  - hsba00
Financial Services Committee
- 2025-11-04
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-362.
Committee
5000
9
Library of Congress
  - hsba00
Financial Services Committee
- 2025-09-16
  - hsba00
Financial Services Committee
1
House committee actions
Ordered to be Reported (Amended) by the Yeas and Nays: 51 - 0.
Committee
- 2025-09-16
  - hsba00
Financial Services Committee
1
House committee actions
Committee Consideration and Mark-up Session Held
Committee
- 2025-05-07
Referred to the House Committee on Financial Services.
IntroReferral
H11100
2
House floor actions
  - hsba00
Financial Services Committee
- 2025-05-07
Introduced in House
IntroReferral
Intro-H
9
Library of Congress
- 2025-05-07
Introduced in House
IntroReferral
1000
9
Library of Congress
- E000294
Rep. Emmer, Tom [R-MN-6]
Tom
Emmer
R
MN
6
N
- B001281
Rep. Beatty, Joyce [D-OH-3]
Joyce
Beatty
D
OH
3
2025-05-07
True
- M001204
Rep. Meuser, Daniel [R-PA-9]
Daniel
Meuser
R
PA
9
2025-05-07
True
- M001160
Rep. Moore, Gwen [D-WI-4]
Gwen
Moore
D
WI
4
2025-05-07
True
- B001282
Rep. Barr, Andy [R-KY-6]
Andy
Barr
R
KY
6
2025-05-20
False
- F000474
Rep. Flood, Mike [R-NE-1]
Mike
Flood
R
NE
1
2025-07-02
False
- W000816
Rep. Williams, Roger [R-TX-25]
Roger
Williams
R
TX
25
2025-07-02
False
- E000235
Rep. Ezell, Mike [R-MS-4]
Mike
Ezell
R
MS
4
2025-09-11
False
- S000250
Rep. Sessions, Pete [R-TX-17]
Pete
Sessions
R
TX
17
2025-09-15
False
- G000592
Rep. Golden, Jared F. [D-ME-2]
Jared
Golden
D
ME
F.
2
2025-09-18
False
- B001301
Rep. Bergman, Jack [R-MI-1]
Jack
Bergman
R
MI
1
2025-09-18
False
- R000575
Rep. Rogers, Mike D. [R-AL-3]
Mike
Rogers
R
AL
3
2025-11-04
False
Finance and Financial Sector
- Bank accounts, deposits, capital
2025-09-18T18:34:03Z
- Banking and financial institutions regulation
2025-09-18T20:00:47Z
Finance and Financial Sector
2025-05-21T12:01:07Z
00
2025-05-07
Introduced in House
2025-12-15T23:01:38Z
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.)

Keeping Deposits Local Act
- Display Title
45

Keeping Deposits Local Act
2025-11-05T03:53:13Z
- Short Title(s) as Reported to House
102

Keeping Deposits Local Act
2025-11-05T03:53:12Z
H
House
Reported in House
RH
- Official Title as Introduced
6

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.
2025-05-15T03:59:21Z
Introduced in House
IH
- Reported in House
2025-11-04T05:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-119hr3234rh/xml/BILLS-119hr3234rh.xml
- Introduced in House
2025-05-07T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-119hr3234ih/xml/BILLS-119hr3234ih.xml
2025-11-04
Placed on the Union Calendar, Calendar No. 314.
text/xml
EN
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.
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