Who it affects
- Insured financial institutions holding deposits for others
- Federal Deposit Insurance Corporation
Passed the HouseBanking
Community Bank Deposit Access Act of 2025
H.R. 5317 · House bill · Introduced Sept. 11, 2025
The Community Bank Deposit Access Act of 2025 would change deposit classifications and interest rate limits for certain insured financial institutions.
At a glance
Where it stands
Passed the House 393 to 16 on May 20.
How South Carolina voted
Lobbying and money
No lobbying reported yet
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
What it would do
- The bill would stop treating certain deposits held for others as deposits placed by brokers.
- This change would apply to insured financial institutions with less than $10 billion in total assets.
- The deposits could not exceed 20% of what the institution owes.
- Institutions would need strong financial reserves and a minimum financial health rating.
- A Federal Deposit Insurance Corporation waiver could replace those requirements.
- Existing interest rate limits would generally also apply to institutions with weaker reserves that accept deposits held for others.
Written with AI from the official summary by Congress's research office.
How South Carolina voted
House vote coverage is incomplete for 2025–2026. Vote and flagged-bill counts reflect imported records only; missing votes don't mean a member didn't vote.
House vote
Vote to pass
Fast-track vote that needs two-thirds
May 20, 2026 · Passed 393 to 16
- Republicans
- 203 yes
- 0 no
- Democrats
- 189 yes
- 16 no
- Independents
- 1 yes
- 0 no
Groups that lobbied on it and gave to SC's members
PAC, lobbyist campaign and qualifying employee money this election, shown separately and never added together. Lobbying reports name the bills a group worked on, not which side it took.
No lobbying reported yet. Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
Official record
Official title, sponsor and status
- 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.
- Sponsor
- Rep. Hill, J. French (R-AR)
- Introduced
- Sept. 11, 2025
- Cosponsors
- 0
- Committees
- Senate Banking, Housing, and Urban Affairs Committee; House Financial Services Committee
- Latest action
- May 21, 2026 · Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Official summary from the Congressional Research Service
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.
Summary on Congress.gov ↗Everyone who lobbied on this bill (0 groups)
No lobbying report we have loaded names this bill. That doesn't mean no lobbying took place.
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published. Reports for October through December 2026 are due January 20, 2027.