# 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.

## How this bill is scored

Tier: no Tier 1 record. A bill with no record cannot newly become Tier 1.
Lane: banking_regulation. Category: not stored. Lane tag: not stored.
Lane: community_banks. Category: not stored. Lane tag: not stored.
Lane: deposit_insurance. Category: not stored. Lane tag: not stored.
Lane: financial_regulation. Category: not stored. Lane tag: not stored.
Tier 1 sign-off: no record. A bill with no record cannot newly become Tier 1.
Stored polarity: mixed. Only tags the rules mark scoreable on a mixed bill are scored. A yea can draw a penalty or a credit according to the tag. A nay on a tag scored as good can draw a penalty.
Roll 179: On Motion to Suspend the Rules and Pass, as Amended. Vote type: final_passage.
Polarity rationale: Reviewed enrichment (llm_import) polarity: The bill is a generic banking regulation that adjusts supervisory treatment of certain deposits. It has ordinary prudential goods, such as preserving community bank access to custodial deposits and tying eligibility to capitalization and soundness, alongside real but modest concerns about reduced oversight of deposit-funded institutions and the application of interest rate limits. The title and summary support a high-level prudential classification without a direct moral harm.
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.

## Recorded votes

Roll 179: On Motion to Suspend the Rules and Pass, as Amended. Yea 393 · Nay 16 · Other 21.

HTML: https://justmeasure.org/bill/hr-5317-119/