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H.R. 4544 119th Congress House

American Access to Banking Act

Official title: To direct certain Federal banking and credit union agencies to promote the formation of de novo regulated institutions through the review of application proces… Show full official titleShow less

Official title: 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.

Introduced: July 17, 2025 Introduced by: Maxine Waters Democratic · California See on congress.gov
Finance and Financial Sector Banking and financial institutions regulationFinancial services and investmentsIntergovernmental relationsLicensing and registrationsState and local government operations
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 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 · 1:08 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 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 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 · 5:28 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
DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
Sep 8, 2025
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
Sep 8, 2025
Placed on the Union Calendar, Calendar No. 210.
Jul 23, 2025
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
Jul 23, 2025
Committee Consideration and Mark-up Session Held
Jul 22, 2025
Committee Consideration and Mark-up Session Held
Jul 17, 2025
Introduced in House
Jul 17, 2025
Referred to the House Committee on Financial Services.
 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 →
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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.

 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.

 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 12

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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/)
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