Bill

H.R. 4544 (119th): American Access to Banking Act

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

house · Substantive

Rankings updated October 26, 2026, 11:44 AM ET · Votes through September 30, 2026
Exported candidates: 719 | Filings on file, by office: H: 5838 | P: 1467 | S: 1567. These counts include every filing for that office, so they are larger than the ranked list. One person can have more than one filing. Non-voting delegates are left out.

Official source

Summary

Recorded summary

The bill requires federal financial regulators to review and streamline the application process for forming new (de novo) depository institutions and credit unions. Regulators must review the application process, collect information from other agencies where practicable to limit applicant requests, and review how de novo institutions raise capital while maintaining investor protections. On applicant request, regulators must assign a caseworker and provide a list of institutions willing to serve as mentors. Each regulator must also develop a state and stakeholder engagement plan.

banking_accessfinancial_regulationregulatory_process

Theological note: The measure concerns ordinary economic governance: easing lawful entry into banking and credit union formation and reducing administrative burden on new institutions. It touches stewardship of honest commerce and fair access to economic participation, and it preserves investor protections. These are prudential matters, not a direct moral verdict on the bill's aims.

Scoring

How this bill is scored

Debt and war Cloture and Tier 1 Procedural votes Scoring mechanics

Roll

Recorded votes

Roll 178 · 20-May-2026 1:12 PM · On Motion to Suspend the Rules and Pass, as Amended · Passed

Yea 405 · Nay 4 · Other 21

Yea

Nay

Other

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