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H.R. 5317 119th Congress House

Community Bank Deposit Access Act of 2025

Official title: To amend the Federal Deposit Insurance Act to ensure that certain custodial deposits of well capitalized insured depository institutions are not considered to … Show full official titleShow less

Official title: 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.

Introduced: September 11, 2025 Introduced by: J. French Hill Republican · Arkansas See on congress.gov
Finance and Financial Sector Bank accounts, deposits, capitalBanking and financial institutions regulationBusiness investment and capitalInterest, dividends, interest rates
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 Everywhere this bill has been 14 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 · 1:16 PM EDT
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).
May 20, 2026 · 1:16 PM EDT
Motion to reconsider laid on the table Agreed to without objection.
May 20, 2026 · 1:13 PM EDT
Considered as unfinished business. (consideration: CR H3645-3646)
May 19, 2026 · 5:29 PM EDT
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
May 19, 2026 · 5:40 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 · 5:29 PM EDT
DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
May 19, 2026 · 5:29 PM EDT
Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
Nov 4, 2025
Placed on the Union Calendar, Calendar No. 321.
Nov 4, 2025
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
Sep 16, 2025
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
Sep 16, 2025
Committee Consideration and Mark-up Session Held
Sep 11, 2025
Referred to the House Committee on Financial Services.
Sep 11, 2025
Introduced in House
 Votes taken on this bill 1
DateChamberWhat was voted onResultYes–No
May 20, 2026 House · vote #179 On Motion to Suspend the Rules and Pass, as Amended Passed 393–16 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

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.

 Hearings & markups 1
  • Various Measures
    Markup Sep 16, 2025 · 10:00 AM EDT · Financial Services Committee
 Related & companion bills 2
  • HR 6955 Main Street Capital Access Act
  • HR 6644 21st Century ROAD to Housing Act
 Bill text 4 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Lobbying activity 12

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

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APA
U.S. Congress. (2026). H.R. 5317: Community Bank Deposit Access Act of 2025. 119th Congress. Open America. https://openamerica.io/bill/119-HR-5317/
MLA
"H.R. 5317: Community Bank Deposit Access Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-5317/.
Bluebook (legal)
H.R. 5317, 119th Cong. (2026), https://openamerica.io/bill/119-HR-5317/.
Markdown link
[H.R. 5317: Community Bank Deposit Access Act of 2025](https://openamerica.io/bill/119-HR-5317/)
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