Bill

H.R. 5317 (119th): Community Bank Deposit Access Act of 2025

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.

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.

Recorded summary

The bill would exclude certain custodial deposits at insured depository institutions with less than $10 billion in total assets from the definition of brokered deposits, provided the deposits do not exceed 20% of the institution's liabilities. Eligibility requires the institution to be well-capitalized with a specified minimum soundness rating, or to hold a waiver from the FDIC. The bill also applies existing interest rate limits for institutions that are not well-capitalized to similar institutions that accept custodial deposits.

banking_regulationcommunity_banksdeposit_insurancefinancial_regulation

Theological note: The bill concerns prudent stewardship of deposits, the integrity of banking practice, and the fair treatment of community institutions. These are legitimate concerns of honest commerce and neighbor-love, but the measure is a technical prudential adjustment to federal banking supervision. It does not directly advance or restrain a named moral harm, so it is relevant to stewardship and economic justice without warranting a hard moral verdict.

How this bill is scored

Recorded votes

Roll 179 · 20-May-2026 1:15 PM · On Motion to Suspend the Rules and Pass, as Amended · Passed

Yea 393 · Nay 16 · Other 21

Yea

Nay

Other

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