3.0.0 5317 2026-07-17T23:57:28Z 2026-07-17T23:57:28Z House H HR 2025-09-11 119 https://www.congress.gov/bill/119th-congress/house-bill/5317 [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]]]> ssbk00 Banking, Housing, and Urban Affairs Committee Senate Standing Referred To 2026-05-21T17:39:30Z hsba00 Financial Services Committee House Standing Reported By 2025-11-04T18:49:50Z Markup By 2025-09-16T14:36:50Z Referred To 2025-09-11T13:01:35Z H. Rept. 119-369 Main Street Act 119 6955 HR 2026-04-20 Placed on the Union Calendar, Calendar No. 535. Related bill CRS 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 13:16:04 Motion to reconsider laid on the table Agreed to without objection. Floor H38310 2 House floor actions 2026-05-20 13:16:02 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). Floor H37300 2 House floor actions 179 https://clerk.house.gov/evs/2026/roll179.xml House 119 2026-05-20T17:16:02Z 2 2026-05-20 13:16:02 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). Floor 8000 9 Library of Congress 179 https://clerk.house.gov/evs/2026/roll179.xml House 119 2026-05-20T17:16:02Z 2 2026-05-20 13:13:18 Considered as unfinished business. (consideration: CR H3645-3646) Floor H30000 2 House floor actions 2026-05-19 17:40:44 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 17:29:20 DEBATE - The House proceeded with forty minutes of debate on H.R. 5317. Floor H8D000 2 House floor actions 2026-05-19 17:29:19 Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586) Floor H30000 2 House floor actions 2026-05-19 17:29:08 Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended. Floor H30300 2 House floor actions 2025-11-04 Placed on the Union Calendar, Calendar No. 321. Calendars H12410 2 House floor actions U00321 2025-11-04 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369. Committee H12200 2 House floor actions hsba00 Financial Services Committee 2025-11-04 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369. 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: 48 - 2. Committee 2025-09-16 hsba00 Financial Services Committee 1 House committee actions Committee Consideration and Mark-up Session Held Committee 2025-09-11 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2025-09-11 Introduced in House IntroReferral Intro-H 9 Library of Congress 2025-09-11 Introduced in House IntroReferral 1000 9 Library of Congress H001072 Rep. Hill, J. French [R-AR-2] J. Hill R AR French 2 N Finance and Financial Sector Bank accounts, deposits, capital 2025-12-03T16:02:40Z Banking and financial institutions regulation 2025-12-03T16:02:47Z Business investment and capital 2025-12-03T16:03:49Z Interest, dividends, interest rates 2025-12-03T16:04:08Z Finance and Financial Sector 2025-09-29T16:09:59Z 07 2025-11-04 Reported to House 2025-12-05T20:45:34Z 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.

]]> Community Bank Deposit Access Act of 2025 Display Title 45 Community Bank Deposit Access Act of 2025 2026-07-17T23:57:28Z Short Titles from RFS (Referred to Senate) bill text 255 Community Bank Deposit Access Act of 2025 2026-05-23T06:53:30Z S Senate Referred in Senate RFS Short Title(s) as Passed House 104 Community Bank Deposit Access Act of 2025 2026-05-22T04:23:39Z H House Engrossed in House EH Official Titles from EH (Engrossed in House) bill text 259 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. 2026-05-22T04:23:39Z H House Engrossed in House EH Short Title(s) as Reported to House 102 Community Bank Deposit Access Act of 2025 2025-11-05T03:53:12Z H House Reported in House RH Short Title(s) as Introduced 101 Community Bank Deposit Access Act of 2025 2025-09-16T08:23:18Z Introduced in House IH Official Title as Introduced 6 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. 2025-09-16T08:18:35Z Introduced in House IH Referred in Senate 2026-05-21T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr5317rfs/xml/BILLS-119hr5317rfs.xml Engrossed in House 2026-05-20T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr5317eh/xml/BILLS-119hr5317eh.xml Reported in House 2025-11-04T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr5317rh/xml/BILLS-119hr5317rh.xml Introduced in House 2025-09-11T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr5317ih/xml/BILLS-119hr5317ih.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.