H.R. 5317: Community Bank Deposit Access Act of 2025
A House bill (H.R.) in the 119th U.S. Congress.
Overview
| Congress | 119th U.S. Congress (2025–2026) |
|---|---|
| Type | House bill (H.R.) |
| Originating chamber | House |
| Introduced | 2025-09-11 |
| Sponsor | Rep. Hill, J. French [R-AR-2] |
| Policy area | Finance and Financial Sector |
| Cosponsors | 0 |
| Latest action | 2026-05-21 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Last updated | 2026-07-17 |
Summary
Official summary (Reported to House, 2025-11-04):
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.
Full text & official record
The official bill text, section-by-section summary, amendments, committee reports, and the complete legislative timeline for H.R. 5317 are published by Congress on congress.gov.
View H.R. 5317 on congress.gov →
Frequently asked questions
What is H.R. 5317?
H.R. 5317 is a House bill (H.R.) introduced in the 119th U.S. Congress, originating in the House. Official title: Community Bank Deposit Access Act of 2025.
Where can I read the full bill text?
The full text, cosponsors, amendments, and legislative status for H.R. 5317 are available on congress.gov.
Bill data: congress.gov API (official congressional records).