H.R. 5317: Community Bank Deposit Access Act of 2025
Sponsor
J. Hill
Republican · AR-2
What H.R. 5317 does
Banks that take deposits placed through a broker can face extra oversight. H.R. 5317 would change that for some deposits held at smaller banks: custodial deposits at insured banks with less than $10 billion in total assets would no longer be treated as brokered deposits, as long as they stay at or below 20% of the bank's liabilities.
The bank would have to be well-capitalized and meet a minimum soundness rating, or hold a waiver from the Federal Deposit Insurance Corporation. The bill would also generally apply the existing interest rate limits for banks that are not well-capitalized to similar banks that take custodial deposits.
How the House voted
Passed · May 20, 2026
Yassamin Ansari
Gregorio Casar
Mark DeSaulnier
Maxine Dexter
Chuy García
Jimmy Gomez
Adelita S. Grijalva
Pramila Jayapal
Summer Lee
Jim McGovern
Alexandria Ocasio-Cortez
Ilhan Omar
Mark Pocan
Ayanna Pressley
Delia Ramirez
Rashida TlaibOn Motion to Suspend the Rules and Pass, as Amended: H R 5317 Community Bank Deposit Access Act · Roll no. 179 · Official record
HR5317 Legislative Journey
Committee Action
May 21, 2026
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
House: Vote: 393-16
May 20, 2026
On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 393 - 16 (Roll no. 179).
House: Vote Held
May 19, 2026
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
House: Committee Action
Nov 4, 2025
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
House: Vote: 48-2
Sep 16, 2025
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
House: Committee Action
Sep 11, 2025
Referred to the House Committee on Financial Services.
About the Sponsor
J. Hill
Republican, Arkansas's 2nd congressional district · 11 years in Congress
Committees: Financial Services, House Permanent Select Committee on Intelligence
View full profile →
Committee Sponsors
Banking, Housing, and Urban Affairs Committee
0 of 24 committee members cosponsored
No committee members have cosponsored this bill
Financial Services Committee
0 of 54 committee members cosponsored
No committee members have cosponsored this bill
43 Republicans across these committees haven't cosponsored yet. Mobilize their constituents
What laws does H.R. 5317 change?
1 changes
Sections Amended
Section 29 of Federal Deposit Insurance Act (12 U.S.C. 1831f)
adding at the end the following: ``(j) Limited Exception for Custodial Deposits
H.R. 5317 Quick Facts
- Committee
- Banking, Housing, and Urban Affairs
- Chamber
- House
- Policy
- Finance and Financial Sector
- Introduced
- Sep 11, 2025
Passed the House, received in Senate
May 21, 2026
H.R. 5317 Bill Text
“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.”
Source: U.S. Government Publishing Office
Get notified when H.R. 5317 moves
Committee votes, floor action, cosponsor changes — straight to your inbox.
Bill alerts + Legisletter's monthly briefing. Unsubscribe anytime.
Finance and Financial Sector Bills
9 related bills we're tracking
America’s Olympic and Paralympic Games Commemorative Coins Act
Referred to the House Committee on Financial Services.
Jul 14, 2025
761st Tank Battalion Congressional Gold Medal Act
Referred to the Committee on Financial Services, and in addition to the Committee on House Administration, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Feb 26, 2025
Taxpayer Data Protection Act
Sponsor introductory remarks on measure. (CR H625-626)
Feb 11, 2025
Repealing Big Brother Overreach Act
Placed on the Union Calendar, Calendar No. 609.
Jun 18, 2026
Rosie the Riveter Commemorative Coin Act
Referred to the House Committee on Financial Services.
Jan 15, 2025
HELPER Act of 2025
Referred to the House Committee on Financial Services.
Mar 14, 2025
Anti-CBDC Surveillance State Act
Motion to reconsider laid on the table Agreed to without objection.
Jul 17, 2025
Protecting Privacy in Purchases Act
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Jul 15, 2026
Homebuyers Privacy Protection Act
Became Public Law No: 119-36.
Sep 5, 2025
Trending Right Now
Bills gaining momentum across Congress
North Platte Canteen Congressional Gold Medal Act
Referred to the House Committee on Financial Services.
Feb 21, 2025
Ensuring Lasting Smiles Act
Referred to the Committee on Energy and Commerce, and in addition to the Committees on Education and Workforce, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
May 8, 2025
ASAP Act
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 40 - 0.
Sep 16, 2026
Tracking Finance and Financial Sector in Congress? Monitor bills, track cosponsor momentum, and launch advocacy campaigns — all from one advocacy platform.