H.R. 5317 Passed the House Finance and Financial Sector

Community Bank Deposit Access Act of 2025

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.

  1. Introduced
  2. Committee
  3. Passed House
  4. Passed Senate
  5. To President
  6. Became law
Sponsor Rep. Hill, J. French [R-AR-2] Introduced September 11, 2025 Cosponsors 0 Latest action May 21, 2026

Summary

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.

Summary by the Congressional Research Service, Library of Congress.

Congress.gov

Roll-call votes

Actions

  1. May 21, 2026 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. May 20, 2026 Motion to reconsider laid on the table Agreed to without objection.
  3. May 20, 2026 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).
  4. May 20, 2026 Considered as unfinished business. (consideration: CR H3645-3646)
  5. May 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.
  6. May 19, 2026 DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
  7. May 19, 2026 Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
  8. May 19, 2026 Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  9. Nov 4, 2025 Placed on the Union Calendar, Calendar No. 321.
  10. Nov 4, 2025 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  11. Sep 16, 2025 Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
  12. Sep 16, 2025 Committee Consideration and Mark-up Session Held

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