Bill · H.R. 5317· House(119-HR-5317)
Community Bank Deposit Access Act of 2025
- Introduced
- 9/11/2025
- Last activity
- 5/21/2026 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- J. Hill
- Cosponsors
- None
- Introduced
- Passed House
- In Senate committee
What this bill would do
The Community Bank Deposit Access Act of 2025 aims to amend the Federal Deposit Insurance Act. It seeks to ensure that certain custodial deposits held by well capitalized insured depository institutions are not considered funds obtained through a deposit broker. This applies to eligible institutions as long as these deposits do not exceed 20 percent of the institution's total liabilities. The bill also establishes specific interest rate restrictions for institutions that are not well capitalized. Additionally, the act includes a provision to reduce a specific dollar amount under the Federal Reserve Act.
Yes
Does this make it easier to run a small business?+5
The bill provides specific regulatory relief for smaller community banks with less than $10 billion in assets.
Would business owners be better off under this?+5
Small community bank owners benefit from the clarified treatment of custodial deposits.
Does this give people more protection from unfair business practices?+2
The interest rate restrictions help prevent risky behaviors by institutions that are not well capitalized.
The opposite
No question was scored the opposite.
What Congress actually voted on
One recorded vote has been taken on this bill.
- The House: a fast-track vote, needing two-thirds to passPassed 393–16
The House sets aside its normal procedure to move quickly: no amendments, little debate, and a two-thirds bar instead of a simple majority. It is used for measures expected to be uncontroversial, so a bill that fails here failed despite broad expectations that it would not.
05/20/2026 · Roll call 179 · recorded as “On Motion to Suspend the Rules and Pass, as Amended”
Who it would affect, and how
Potential Positive Impacts for People
-
Protection for Custodial Deposits: Under Section 2, custodial deposits will not be considered funds obtained through a deposit broker if they are within the 20 percent limit of an eligible institution's total liabilities. This allows certain institutions to accept deposits for the purpose of providing or maintaining deposit insurance for the benefit of a third party (Section 2(a)(1)).
-
Clear Definitions for Financial Entities: The bill defines specific entities that can act in a formal custodial or fiduciary capacity, such as an insured depository institution acting as an agent, trustee, or custodian, or a plan administrator (Section 2(a)(2)(A)).
Potential Negative Impacts for People
-
Interest Rate Limits: For covered insured depository institutions that are not well capitalized, the bill prohibits paying an interest rate on custodial deposits that significantly exceeds specific limits, such as the rate paid on similar deposits in the normal market area or a national rate established by the Corporation (Section 2(b)(2) and (3)).
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Reduction in Surplus Funds: The act includes a provision that reduces the dollar amount specified under section 7(a)(3)(A) of the Federal Reserve Act by $4,000,000 (Section 3(a)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Economy And Finance
- Improves Small Business Support+5Improves Consumer Protection+2
- Demographic And Interest Groups
- Good For Business Owners+5
- 5/21/2026
- Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 5/20/2026
- Motion to reconsider laid on the table Agreed to without objection.
- 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).
- 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).
- Considered as unfinished business. (consideration: CR H3645-3646)
- 5/19/2026
- 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.
- DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
- Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
- Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
- 11/4/2025
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
- Placed on the Union Calendar, Calendar No. 321.
- 9/16/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
- 9/11/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.