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119th Congress Finance and Financial Sector

H.R. 4544: American Access to Banking Act

Passed HouseMay 20, 2026

  1. Introduced (completed)Jul 17, 2025
  2. Passed House (completed)May 20, 2026, 405–4
  3. Passed Senate (not reached)
  4. To the President (not reached)
  5. Became law (not reached)

Summary

Introduced in House, Jul 17, 2025

This bill requires federal financial regulators to review and streamline the application process for the formation of de novo, or new, depository institutions or credit unions.

Regulators must (1) review the application process; (2) to the extent practicable, collect necessary information from other agencies in order to minimize requests for applicant information; and (3) review how de novo financial intuitions raise capital while maintaining investor protections, including the impact of restrictions on raising capital.

At the request of an applicant, regulators must (1) designate an employee as a caseworker to assist in the application process, and (2) provide a list of similar institutions interested in serving as a mentor.

Read the full summary

Each regulator must also develop a state and stakeholder engagement plan to assist interested parties with understanding the relevant regulatory processes.

Written by the Congressional Research Service, Library of Congress.

Key votes

House final vote, May 20, 2026

On Motion to Suspend the Rules and Pass, as Amended

Passed 405–4

Yea 405two-thirds 273Nay 4

  • Democrats205 yea, 0 nay
  • Republicans199 yea, 4 nay
  • Independents1 yea, 0 nay

Broke with their party: Keith Self (R-TX), Mary Miller (R-IL), Clay Higgins (R-LA) and Andy Biggs (R-AZ) voted Nay

See how all 409 members voted

Showing 430 of 430 members

Yea 405

Republicans (199)

Democrats (205)

Independents (1)

Nay 4

Republicans (4) broke with their party

Not voting 21

Senate

Not yet voted

Passed the House May 20, 2026. Awaiting Senate action.

Roll calls

1 vote on this bill

Showing 1 of 1 roll calls

  • May 20, 2026HouseOn Motion to Suspend the Rules and Pass, as AmendedFinal passagePassed, yea-nay 405–4
    Roll call 178 tally by party
    PartyYeaNayPresentNot voting
    Democrats205007
    Republicans1994014
    Independents1000
    Total4054021

    House roll call 178: On Motion to Suspend the Rules and Pass, as Amended. Passed.

    4 crossed party lines: 4 Republicans

    How each member voted (430)

Amendments

0 offered

No amendments were offered to this bill.

Who scored on this bill

86 points earned
  1. 1Maxine Waters D-CA SponsorIntroduced, marked up, reported, passed House4 events+62
  2. 2Andy Biggs R-AZ1 maverick vote1 event+6
  3. 2Clay Higgins R-LA1 maverick vote1 event+6
  4. 2Mary Miller R-IL1 maverick vote1 event+6
  5. 2Keith Self R-TX1 maverick vote1 event+6
See all scorers and every scoring event

Introductions and cosponsorships count toward weekly caps and show no points.

Other bills by Maxine Waters

History

  1. May 20, 2026Passed the House, 405–4.
  2. Jul 17, 2025Introduced in the House by Maxine Waters.
Show the full action history (16 actions)
  1. May 21, 2026Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. May 20, 2026Considered as unfinished business. (consideration: CR H3645)
  3. May 20, 2026Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 405 - 4 (Roll no. 178).
  4. May 20, 2026On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 405 - 4 (Roll no. 178).
  5. May 20, 2026Motion to reconsider laid on the table Agreed to without objection.
  6. May 19, 2026Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  7. May 19, 2026Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
  8. May 19, 2026DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
  9. May 19, 2026At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
  10. Sep 8, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
  11. Sep 8, 2025Placed on the Union Calendar, Calendar No. 210.
  12. Jul 23, 2025Committee Consideration and Mark-up Session Held
  13. Jul 23, 2025Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
  14. Jul 22, 2025Committee Consideration and Mark-up Session Held
  15. Jul 17, 2025Introduced in House
  16. Jul 17, 2025Referred to the House Committee on Financial Services.