H.R. 5317 · Where this bill is now
Became law through another bill
Its text was included in H.R. 6644, Public Law 119-101 (per the Congressional Research Service). This bill number itself: In the Senate.
See H.R. 6644 on Congress.gov ↗
What this bill does
In plain words · AI-written from the official summaryCommunity banks get relief from deposit rules
This bill changes how regulators treat certain types of deposits at smaller community banks. When a bank holds custodial deposits—money held in trust for clients—those deposits won't count as brokered deposits anymore, as long as the bank stays financially healthy and the deposits don't exceed 20% of what the bank owes. The bill also applies interest rate limits to these banks in a way similar to less healthy banks.
How it affects you
If you bank at a smaller community bank with less than $10 billion in assets, this change could mean your bank faces less regulatory scrutiny and has more flexibility in how it handles certain customer deposits. Community banks themselves benefit from reduced oversight requirements, though they still need to meet minimum safety standards to qualify.
Read the official summary (Reported to House, Nov 4, 2025)
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.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
1st SessionH. R. 5317
AN ACT
Community Bank Deposit Access Act of 2025
Sponsor: Rep. J. French Hill (R-AR-2) · Introduced Sep 11, 2025 · Finance and Financial Sector · 4 versions of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action May 21, 2026: “Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.”
How Congress voted
Official roll callsHouse · On Motion to Suspend the Rules and Pass, as Amended · May 20, 2026
Motion to Suspend the Rules and Pass, as Amended Passed 393–16
| Party | Yes | No | Didn’t vote |
|---|---|---|---|
| Democrats | 189 | 16 | 7 |
| Independents | 1 | 0 | 0 |
| Republicans | 203 | 0 | 14 |
16 members voted against most of their party: 16 Democrats voted No.
Congress votes on whole bills and amendments, not on single sections.