Bill Sponsor
House Bill 5317
119th Congress(2025-2026)
Community Bank Deposit Access Act of 2025
Active
Active
Passed House on May 20, 2026
Overview
Text
Bill Intelligence

The "Community Bank Deposit Access Act of 2025" allows certain custodial deposits by eligible institutions to not be categorized as funds obtained through a deposit broker, under the condition that these deposits do not exceed 20 percent of the institution's total liabilities. The act is an amendment to the Federal Deposit Insurance Act. This could impact the operations of community banks and how they can handle custodial deposits, potentially affecting their ability to raise funds through such deposits.

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Introduced
Sep 11, 2025
Latest Action
May 21, 2026
Origin Chamber
House
Type
Bill
Bill
The primary form of legislative measure used to propose law. Depending on the chamber of origin, bills begin with a designation of either H.R. or S. Joint resolution is another form of legislative measure used to propose law.
Bill Number
5317
Congress
119
Policy Area
Finance and Financial Sector
Finance and Financial Sector
Primary focus of measure is U.S. banking and financial institutions regulation; consumer credit; bankruptcy and debt collection; financial services and investments; insurance; securities; real estate transactions; currency. Measures concerning financial crimes may fall under Crime and Law Enforcement. Measures concerning business and corporate finance may fall under Commerce policy area. Measures concerning international banking may fall under Foreign Trade and International Finance policy area.
Sponsorship by Party
Republican
Arkansas
House Votes (1)
Senate Votes (0)
checkPassed on May 20, 2026
Question
On Motion to Suspend the Rules and Pass, as Amended
Status
Passed
Type
Roll Call Vote
Roll Call Vote
A vote that records the individual position of each Member who voted. Such votes occurring on the House floor (by the "yeas and nays" or by "recorded vote") are taken by electronic device. The Senate has no electronic voting system; in such votes, Senators answer "yea" or "nay" as the clerk calls each name aloud. Each vote is compiled by clerks and receives a roll call number (referenced in Congress.gov as a "Record Vote" [Senate] or "Roll no." [House]).
Roll Call Type
2/3 Yea-And-Nay
Roll Number
179
House Roll Call Votes
Didn't Vote
Alabama
Alabama
Yes
Alabama
Alabama
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Alabama
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Alabama
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Alabama
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Alabama
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Alabama
Alabama
Alaska
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Arkansas
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California
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Colorado
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Connecticut
Connecticut
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Connecticut
Connecticut
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Connecticut
Connecticut
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Connecticut
Connecticut
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Connecticut
Connecticut
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Delaware
Delaware
Yes
Florida
Florida
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Florida
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Florida
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Florida
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Florida
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Georgia
Georgia
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Georgia
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Georgia
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Georgia
Georgia
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Georgia
Georgia
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Georgia
Georgia
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Georgia
Georgia
Georgia
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Georgia
Georgia
Georgia
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Hawaii
Hawaii
Hawaii
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Idaho
Idaho
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Idaho
Idaho
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Illinois
Illinois
Yes
Illinois
Illinois
Yes
Illinois
Illinois
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Illinois
Illinois
Illinois
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Illinois
Illinois
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Illinois
Illinois
Illinois
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Illinois
Illinois
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Illinois
Illinois
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Illinois
Illinois
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Illinois
Illinois
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Illinois
Illinois
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Illinois
Illinois
Illinois
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Illinois
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Illinois
Illinois
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Indiana
Indiana
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Indiana
Indiana
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Indiana
Indiana
Indiana
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Indiana
Indiana
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Indiana
Indiana
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Indiana
Indiana
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Indiana
Indiana
Iowa
Iowa
Iowa
Yes
Kansas
Kansas
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Kansas
Kansas
Kansas
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Kansas
Kansas
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Kentucky
Kentucky
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Kentucky
Kentucky
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Kentucky
Kentucky
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Kentucky
Kentucky
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Kentucky
Kentucky
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Kentucky
Kentucky
Yes
Louisiana
Louisiana
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Louisiana
Louisiana
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Louisiana
Louisiana
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Louisiana
Louisiana
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Louisiana
Louisiana
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Louisiana
Louisiana
Maine
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Maine
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Maryland
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Maryland
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Maryland
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Maryland
Maryland
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Maryland
Maryland
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Maryland
Maryland
No
Massachusetts
Massachusetts
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Massachusetts
Massachusetts
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Massachusetts
Massachusetts
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Massachusetts
Massachusetts
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Massachusetts
Massachusetts
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Massachusetts
Massachusetts
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Massachusetts
Massachusetts
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Michigan
Michigan
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Michigan
Michigan
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Michigan
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Minnesota
Minnesota
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Minnesota
Minnesota
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Minnesota
Minnesota
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Mississippi
Mississippi
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Mississippi
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Mississippi
Mississippi
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Mississippi
Mississippi
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Missouri
Missouri
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Missouri
Missouri
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Missouri
Missouri
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Missouri
Missouri
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Missouri
Missouri
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Missouri
Missouri
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Missouri
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Missouri
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Montana
Montana
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Montana
Yes
Nebraska
Nebraska
Yes
Nebraska
Nebraska
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Nebraska
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Nevada
Nevada
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New Hampshire
New Hampshire
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New Hampshire
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New Jersey
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New Jersey
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New Jersey
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New Jersey
New Jersey
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New Jersey
New Jersey
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New Jersey
New Jersey
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New Jersey
New Jersey
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New Jersey
New Jersey
Yes
New Mexico
New Mexico
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New Mexico
New Mexico
New Mexico
New York
New York
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New York
New York
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New York
New York
New York
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New York
New York
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New York
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New York
New York
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New York
New York
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New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
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New York
New York
Yes
New York
New York
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Didn't Vote
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Carolina
North Carolina
Yes
North Dakota
North Dakota
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Ohio
Ohio
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Ohio
Ohio
Ohio
Ohio
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Ohio
Ohio
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Ohio
Ohio
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Ohio
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Ohio
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Oklahoma
Oklahoma
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Oklahoma
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Oklahoma
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Oklahoma
Oklahoma
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Oklahoma
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Oregon
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Oregon
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Oregon
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Oregon
Oregon
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Pennsylvania
Pennsylvania
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Pennsylvania
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Pennsylvania
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Yes
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Pennsylvania
Pennsylvania
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Pennsylvania
Pennsylvania
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Pennsylvania
Pennsylvania
Yes
Pennsylvania
Pennsylvania
No
Pennsylvania
Pennsylvania
Yes
Rhode Island
Rhode Island
Yes
Rhode Island
Rhode Island
Yes
South Carolina
South Carolina
Yes
South Carolina
South Carolina
Didn't Vote
South Carolina
South Carolina
Yes
South Carolina
South Carolina
Yes
South Carolina
South Carolina
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South Carolina
South Carolina
Yes
South Carolina
South Carolina
Yes
South Dakota
South Dakota
Yes
Tennessee
Tennessee
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Tennessee
Tennessee
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Tennessee
Tennessee
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Tennessee
Tennessee
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Tennessee
Tennessee
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Tennessee
Tennessee
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Tennessee
Tennessee
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Tennessee
Tennessee
Yes
Tennessee
Tennessee
Yes
Texas
Texas
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Texas
Yes
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Texas
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Texas
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Texas
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Yes
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Utah
Utah
Utah
Utah
Yes
Vermont
Vermont
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Virginia
Virginia
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Yes
Virginia
Virginia
Virginia
Yes
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
No
Washington
Washington
Yes
Washington
Washington
Yes
Washington
Washington
Didn't Vote
West Virginia
West Virginia
Yes
West Virginia
West Virginia
Yes
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
No
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Didn't Vote
Wisconsin
Wisconsin
Yes
Wisconsin
Wisconsin
Wyoming
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.

Text (4)
May 21, 2026
May 20, 2026
November 4, 2025
September 11, 2025
Actions (15)
05/21/2026
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
05/20/2026
Motion to reconsider laid on the table Agreed to without objection.
05/20/2026
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).
05/20/2026
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).
05/20/2026
Considered as unfinished business. (consideration: CR H3645-3646)
05/19/2026
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.
05/19/2026
DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
05/19/2026
Considered under suspension of the rules. (consideration: CR H3586-3588; text: CR H3586)
05/19/2026
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
11/04/2025
Placed on the Union Calendar, Calendar No. 321.
11/04/2025
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
09/16/2025
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
09/16/2025
Committee Consideration and Mark-up Session Held
09/11/2025
Referred to the House Committee on Financial Services.
09/11/2025
Introduced in House
Public Record
Record Updated
May 23, 2026 6:53:30 AM