Skip to main content
HR 4544 119th Congress House Finance and Financial Sector Banking and financial institutions regulation Financial services and investments Intergovernmental relations Licensing and registrations State and local government operations

American Access to Banking Act

Introduced: July 17, 2025 Introduced by: Waters, Maxine Democratic · California See on congress.gov
Sign in to write a letter Sign in to watch
 Everywhere this bill has been 15 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
May 21, 2026
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 20, 2026 · 1:12 PM EDT
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).
May 20, 2026 · 1:08 PM EDT
Considered as unfinished business. (consideration: CR H3645)
May 20, 2026 · 1:13 PM EDT
Motion to reconsider laid on the table Agreed to without objection.
May 19, 2026 · 5:28 PM EDT
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.
May 19, 2026 · 5:18 PM EDT
Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
May 19, 2026 · 5:18 PM EDT
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
May 19, 2026 · 5:18 PM EDT
DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
Sep 8, 2025
Placed on the Union Calendar, Calendar No. 210.
Sep 8, 2025
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
Jul 23, 2025
Committee Consideration and Mark-up Session Held
Jul 23, 2025
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
Jul 22, 2025
Committee Consideration and Mark-up Session Held
Jul 17, 2025
Referred to the House Committee on Financial Services.
Jul 17, 2025
Introduced in House
 Votes taken on this bill 1
DateChamberWhat was voted onResultYes–No
May 20, 2026 House · vote #178 On Motion to Suspend the Rules and Pass, as Amended Passed 405–4 See who voted →
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Plain-English summary Congressional Research Service

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.

What's happening now May 21, 2026

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

 Hearings & markups 1
  • Various Measures
    Markup Jul 22, 2025 · 10:00 AM EDT · Financial Services Committee
 Bill text 4 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Lobbying activity 8

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

See all 8 filings →
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4544: American Access to Banking Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-4544/
MLA
"H.R. 4544: American Access to Banking Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-4544/.
Bluebook (legal)
H.R. 4544, 119th Cong. (2026), https://openamerica.io/bill/119-HR-4544/.
Markdown link
[H.R. 4544: American Access to Banking Act](https://openamerica.io/bill/119-HR-4544/)
Report a problem