House · On Motion to Suspend the Rules and Pass, as AmendedPassed
Yea 393 Nay 16 Present / not voting 21
H.R. 5317 · 119th CongressIn committee
Community Bank Deposit Access Act of 2025
Latest action. Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Live record from Congress.gov, updated as the official record changes.
What this bill would do
Official summary · Congressional Research ServiceCommunity 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 analysts at the Congressional Research Service and published on Congress.gov, not by Civibrief. Summarized at the "Reported to House" stage on November 4, 2025. It describes the bill, it is not the legal text.
Status
Introduced
September 11, 2025
In committee
May 21, 2026
Passed a chamber
Cleared Congress
Enacted
Common questions
Composed from the official recordWhere is it in the process, and what happens next?
4 steps remain before this bill could become law.
The record's latest action, on May 21, 2026: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Clearing the committees it was referred to, and being scheduled for a floor vote
- Passage by the House
- Passage by the Senate
- The President's signature. If the President vetoes it, two-thirds of both chambers must vote to override.
How likely is it to become law?
Civibrief does not forecast outcomes and this page has no opinion about this one. What the record supports is a base rate, which is a fact about the whole pile, not a prediction about this measure.
In the 118th Congress (2023-24), 274 of the 16,565 bills and joint resolutions introduced became law, about 1.7 percent. That count covers every measure at every stage, including the many that never left committee.
This one is not there yet: 4 steps are still outstanding, listed above.
Has anyone actually voted on it?
Yes. 1 recorded roll-call vote cites this measure, listed further down this page with every member's position.
Who is behind it?
J. Hill (R-AR) introduced it on September 11, 2025. No cosponsors are recorded.
Cosponsoring is a formal signature on the text. It is not a commitment to vote for the measure, it does not bind anyone's party, and a long list of cosponsors is a measure of attention rather than of prospects.
How long has it been in play?
It was introduced on September 11, 2025, 364 days ago. The most recent recorded action was 112 days ago, on May 21, 2026.
Measures do not carry over. Anything the 119th Congress has not finished by January 3, 2027 dies when the term ends, and has to be introduced again from the start in the next Congress.
Every answer above is assembled from this measure's own record on Congress.gov and from published counts of what Congress has passed before. Civibrief does not predict outcomes and takes no position on any measure.
Vote history
- HousePassed on a recorded vote (official bill record may lag)
- SenateAwaiting Senate vote
- PresidentAwaits both chambers