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119th Congress Finance and Financial Sector

H.R. 5317: Community Bank Deposit Access Act of 2025

Passed HouseMay 20, 2026

  1. Introduced (completed)Sep 11, 2025
  2. Passed House (completed)May 20, 2026, 393–16
  3. Passed Senate (not reached)
  4. To the President (not reached)
  5. Became law (not reached)

Summary

Reported to House, Nov 4, 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 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 393–16

Yea 393two-thirds 273Nay 16

  • Democrats189 yea, 16 nay
  • Republicans203 yea, 0 nay
  • Independents1 yea, 0 nay

Broke with their party: Rashida Tlaib (D-MI), Delia Ramirez (D-IL), Ayanna Pressley (D-MA), Mark Pocan (D-WI), Ilhan Omar (D-MN), Alexandria Ocasio-Cortez (D-NY), James McGovern (D-MA), Summer Lee (D-PA), Pramila Jayapal (D-WA) and Adelita Grijalva (D-AZ) voted Nay; and 6 more

See how all 409 members voted

Showing 430 of 430 members

Yea 393

Republicans (203)

Democrats (189)

Independents (1)

Nay 16

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 393–16
    Roll call 179 tally by party
    PartyYeaNayPresentNot voting
    Democrats1891607
    Republicans2030014
    Independents1000
    Total39316021

    House roll call 179: On Motion to Suspend the Rules and Pass, as Amended. Passed.

    16 crossed party lines: 16 Democrats

    How each member voted (430)

Amendments

0 offered

No amendments were offered to this bill.

Who scored on this bill

158 points earned
  1. 1J. Hill R-AR SponsorIntroduced, marked up, reported, passed House4 events+62
  2. 2Yassamin Ansari D-AZ1 maverick vote1 event+6
  3. 2Gregorio Casar D-TX1 maverick vote1 event+6
  4. 2Mark DeSaulnier D-CA1 maverick vote1 event+6
  5. 2Maxine Dexter D-OR1 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 J. Hill

History

  1. May 20, 2026Passed the House, 393–16.
  2. Sep 11, 2025Introduced in the House by J. Hill.
Show the full action history (15 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 H3645-3646)
  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): 393 - 16 (Roll no. 179).
  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): 393 - 16 (Roll no. 179).
  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 H3586-3588; text: CR H3586)
  8. May 19, 2026DEBATE - The House proceeded with forty minutes of debate on H.R. 5317.
  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. Nov 4, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
  11. Nov 4, 2025Placed on the Union Calendar, Calendar No. 321.
  12. Sep 16, 2025Committee Consideration and Mark-up Session Held
  13. Sep 16, 2025Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
  14. Sep 11, 2025Introduced in House
  15. Sep 11, 2025Referred to the House Committee on Financial Services.