H.R. 5317 — 119th Congress
Community Bank Deposit Access Act of 2025
Sponsor
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Latest action
May 21, 2026Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
CRS summary
As of Nov 4, 2025Reported to House
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.
Congressional Research Service, via api.congress.gov (public domain)
Roll-call votes
1 on recordMay 20, 2026 · On Motion to Suspend the Rules and Pass, as Amended
Full roll callYea — 393: 203 R · 189 D · 1 I
Nay — 16: 16 D
Not Voting — 21: 14 R · 7 D
Member pages currently show roll-call votes from the 119th Congress only. The “Member pages” column marks votes from that congress.