H.R. 4544American Access to Banking Act

1 recorded actionWhat the measure does Read on Congress.gov

Sponsor: Maxine Waters [D-CA-43]
Policy area: Finance and Financial Sector
Committees: Financial Services Committee, Banking, Housing, and Urban Affairs Committee
Latest action: May 21, 2026 · Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

IntroducedJul 17, 2025
Passed the HouseMay 20, 2026
Passed the SenateNot yet reached
Sent to the PresidentNot yet reached
Became lawNot yet reached

What the measure doesCRS summary

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.

Written by the nonpartisan Congressional Research Service, describing H.R. 4544 as introduced in House on Jul 17, 2025. It is not the text of the measure; a later amendment may have changed what it does.

How every member votedHouse roll call 178

House May 20, 2026

On Motion to Suspend the Rules and Pass, as Amended

American Access to Banking Act

Passed · Two-thirds required

405 Yea 4 Nay 21 not voting

Crossed both parties 4 of 409 voting members broke with their own party: 4 Republicans.

Open the official roll call

How the chamber split

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DemocratsIndependentsRepublicansFilled: YeaRing: NayGrey: not voting or present

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All members430 members

Democratic212 members

Independent1 member

Republican217 members

marks half of the votes cast. A party’s majority is the side most of its voting members took.

Loading the public record

H.R. 4544American Access to Banking Act

What the measure doesCRS summary

How every member votedHouse roll call 178

On Motion to Suspend the Rules and Pass, as Amended

How the chamber split

H.R. 4544American Access to Banking Act

What the measure doesCRS summary

How every member votedHouse roll call 178

On Motion to Suspend the Rules and Pass, as Amended

How the chamber split

Who lobbied on H.R. 45445 organizations

Who lobbied on H.R. 45445 organizations