H.R. 5317Community Bank Deposit Access Act of 2025

1 recorded actionWhat the measure does Read on Congress.gov

Sponsor: J. French Hill [R-AR-02]
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.

IntroducedSep 11, 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 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.

Written by the nonpartisan Congressional Research Service, describing H.R. 5317 as reported to House on Nov 4, 2025. It is not the text of the measure; a later amendment may have changed what it does.

How every member votedHouse roll call 179

House May 20, 2026

On Motion to Suspend the Rules and Pass, as Amended

Community Bank Deposit Access Act

Passed · Two-thirds required

393 Yea 16 Nay 21 not voting

Crossed both parties 16 of 409 voting members broke with their own party: 16 Democrats.

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. 5317Community Bank Deposit Access Act of 2025

What the measure doesCRS summary

How every member votedHouse roll call 179

On Motion to Suspend the Rules and Pass, as Amended

How the chamber split

H.R. 5317Community Bank Deposit Access Act of 2025

What the measure doesCRS summary

How every member votedHouse roll call 179

On Motion to Suspend the Rules and Pass, as Amended

How the chamber split

Who lobbied on H.R. 53174 organizations

Who lobbied on H.R. 53174 organizations