3.0.0 4544 2026-05-23T06:38:25Z 2026-07-12T13:26:29Z House H HR 2025-07-17 119 https://www.congress.gov/bill/119th-congress/house-bill/4544 [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]]]> ssbk00 Banking, Housing, and Urban Affairs Committee Senate Standing Referred To 2026-05-21T17:39:55Z hsba00 Financial Services Committee House Standing Reported By 2025-09-08T17:48:42Z Markup By 2025-07-23T17:01:21Z Markup By 2025-07-22T17:01:09Z Referred To 2025-07-17T13:01:35Z H. Rept. 119-253 2026-05-21 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. IntroReferral 2026-05-20 13:13:01 Motion to reconsider laid on the table Agreed to without objection. Floor H38310 2 House floor actions 2026-05-20 13:12:59 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). Floor H37300 2 House floor actions 178 https://clerk.house.gov/evs/2026/roll178.xml House 119 2026-05-20T17:12:59Z 2 2026-05-20 13:12:59 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). Floor 8000 9 Library of Congress 178 https://clerk.house.gov/evs/2026/roll178.xml House 119 2026-05-20T17:12:59Z 2 2026-05-20 13:08:53 Considered as unfinished business. (consideration: CR H3645) Floor H30000 2 House floor actions 2026-05-19 17:28:49 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. Floor H37220 2 House floor actions 2026-05-19 17:18:17 DEBATE - The House proceeded with forty minutes of debate on H.R. 4544. Floor H8D000 2 House floor actions 2026-05-19 17:18:16 Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585) Floor H30000 2 House floor actions 2026-05-19 17:18:06 Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended. Floor H30300 2 House floor actions 2025-09-08 Placed on the Union Calendar, Calendar No. 210. Calendars H12410 2 House floor actions U00210 2025-09-08 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253. Committee H12200 2 House floor actions hsba00 Financial Services Committee 2025-09-08 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253. Committee 5000 9 Library of Congress hsba00 Financial Services Committee 2025-07-23 hsba00 Financial Services Committee 1 House committee actions Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0. Committee 2025-07-23 hsba00 Financial Services Committee 1 House committee actions Committee Consideration and Mark-up Session Held Committee 2025-07-22 hsba00 Financial Services Committee 1 House committee actions Committee Consideration and Mark-up Session Held Committee 2025-07-17 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2025-07-17 Introduced in House IntroReferral Intro-H 9 Library of Congress 2025-07-17 Introduced in House IntroReferral 1000 9 Library of Congress W000187 Rep. Waters, Maxine [D-CA-43] Maxine Waters D CA 43 N 2026-02-06T20:41:00Z H.R. 4544, American Access to Banking Act https://www.cbo.gov/publication/62093 As reported by the House Committee on Financial Services on September 8, 2025 Finance and Financial Sector Banking and financial institutions regulation 2025-08-26T13:27:53Z Financial services and investments 2025-08-26T13:31:15Z Intergovernmental relations 2025-08-26T13:34:46Z Licensing and registrations 2025-08-26T13:28:21Z State and local government operations 2025-08-26T13:34:40Z Finance and Financial Sector 2025-07-30T14:00:10Z 00 2025-07-17 Introduced in House 2026-05-14T19:36:28Z 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.

]]> American Access to Banking Act Short Titles from RFS (Referred to Senate) bill text 255 American Access to Banking Act 2026-05-23T06:38:25Z S Senate Referred in Senate RFS Short Title(s) as Passed House 104 American Access to Banking Act 2026-05-22T04:08:30Z H House Engrossed in House EH Official Titles from EH (Engrossed in House) bill text 259 To direct certain Federal banking and credit union agencies to promote the formation of de novo regulated institutions through the review of application processes, the review of capital raising by de novo regulated institutions, and the establishment of various outreach programs, and for other purposes. 2026-05-22T04:08:30Z H House Engrossed in House EH Short Title(s) as Reported to House 102 American Access to Banking Act 2025-09-09T07:08:25Z H House Reported in House RH Short Title(s) as Introduced 101 American Access to Banking Act 2025-07-19T07:08:21Z Introduced in House IH Display Title 45 American Access to Banking Act 2025-07-19T07:08:21Z Official Title as Introduced 6 To direct certain Federal banking and credit union agencies to promote the formation of de novo regulated institutions through the review of application processes, the review of capital raising by de novo regulated institutions, and the establishment of various outreach programs, and for other purposes. 2025-07-19T07:03:32Z Introduced in House IH Referred in Senate 2026-05-21T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr4544rfs/xml/BILLS-119hr4544rfs.xml Engrossed in House 2026-05-20T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr4544eh/xml/BILLS-119hr4544eh.xml Reported in House 2025-09-08T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr4544rh/xml/BILLS-119hr4544rh.xml Introduced in House 2025-07-17T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr4544ih/xml/BILLS-119hr4544ih.xml 2026-05-21 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. 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. Congressional Research Service, Library of Congress 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.