Community Bank Deposit Access Act of 2025
Official title: To amend the Federal Deposit Insurance Act to ensure that certain custodial deposits of well capitalized insured depository institutions are not considered to be funds obtained by or through deposit brokers, and for other purposes.
What Do You Think?
How would you vote?
Vote to see the result.
What Happened in Congress?
May 20, 2026
- HousePassed 393 to 16
Where the Bill Stands
- Introduced, done
- Committee, done
- Floor Vote, done
- Outcome, current stage
How Congress Voted
How Congress Voted
How Congress VotedOfficial Record409members of the House voted
393 Yea, 16 Nay, 0 Present
21 Not Voting
- Yea
- Nay
- Present
- Not Voting
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 203 | 0 | 0 | 14 |
| Democrat | 189 | 16 | 0 | 7 |
| Independent | 1 | 0 | 0 | 0 |
| Total | 393 | 16 | 0 | 21 |
Republican
- Yea
- 203
- Nay
- 0
- Present
- 0
- Not Voting
- 14
Democrat
- Yea
- 189
- Nay
- 16
- Present
- 0
- Not Voting
- 7
Independent
- Yea
- 1
- Nay
- 0
- Present
- 0
- Not Voting
- 0
House roll call vote, May 20, 2026
How Each Member Voted
House: On Motion to Suspend the Rules and Pass, as Amended
Yea 393
Nay 16
What This Bill Does
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.
Sponsors
Related Documents
Timeline
- SenateReceived in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- House floor actionsConsidered as unfinished business. (consideration: CR H3645-3646)
- Floor Vote
- Passed the House
- House floor actionsMr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
- House floor actionsReported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
- House committee actionsCommittee Consideration and Mark-up Session Held
- Library of CongressIntroduced in House
- House floor actionsReferred to the House Committee on Financial Services.
- Introduced
- Committee
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