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S. 5345 117th Congress Senate

Consumer Transaction Account Protection Act of 2022

Official title: A bill to amend the Federal Deposit Insurance Act to provide that the consumer transaction account deposits of an insured depository institution are not consid… Show full official titleShow less

Official title: A bill to amend the Federal Deposit Insurance Act to provide that the consumer transaction account deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker, and for other purposes.

Introduced: December 21, 2022 Introduced by: Jerry Moran Republican · Kansas See on congress.gov
Finance and Financial Sector
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This bill died when the 117th Congress ended
It never became law before the 117th Congress (2021–2022) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Dec 21, 2022
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Dec 21, 2022
Introduced in Senate
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 Latest action December 21, 2022

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Plain-English summary Congressional Research Service

Consumer Transaction Account Protection Act of 2022

This bill specifies that consumer transaction account deposits of an insured depository institution are not funds obtained through a deposit broker. In general, current law prohibits an insured depository institution that is not well capitalized from accepting for deposit funds obtained through a deposit broker.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). S. 5345: Consumer Transaction Account Protection Act of 2022. 117th Congress. Open America. https://openamerica.io/bill/117-S-5345/
MLA
"S. 5345: Consumer Transaction Account Protection Act of 2022." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-S-5345/.
Bluebook (legal)
S. 5345, 117th Cong. (2026), https://openamerica.io/bill/117-S-5345/.
Markdown link
[S. 5345: Consumer Transaction Account Protection Act of 2022](https://openamerica.io/bill/117-S-5345/)
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