HR 5317 · introduced · significant
Community Bank Deposit Access Act of 2025
- economy
What this bill does
- Removes certain custodial deposits from brokered deposit classification for smaller banks.
- Affects banks under $10 billion in assets and their depositors seeking higher interest rates.
- Requires banks to be well-capitalized and meet soundness ratings to qualify for the exemption.
Generated by claude-haiku-4-5
Community Threads
Started by Cosponsor
- 01
How would removing custodial deposits from brokered deposit rules affect smaller banks' ability to compete with larger institutions for depositor funds?
- 02
What safeguards ensure that banks using this exemption remain stable if depositors rapidly withdraw funds seeking better rates elsewhere?
- 03
Which types of depositors—such as retirement account custodians or investment firms—would benefit most from this reclassification, and who might be disadvantaged?
Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.
Sponsor · R-AR-2
J. French Hill
Citizen cosponsors
0
In Congress
0/ 435
House Reps cosponsoring
Introduced 2025-11-04
Legislative timeline
2025-11-04 · house · Calendars
Placed on the Union Calendar, Calendar No. 321.
2025-11-04 · house · Committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
2025-11-04 · Committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
2025-09-16 · house · Committee
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
2025-09-16 · house · Committee
Committee Consideration and Mark-up Session Held
2025-09-11 · house · IntroReferral
Referred to the House Committee on Financial Services.
2025-09-11 · IntroReferral
Introduced in House
2025-09-11 · IntroReferral
Introduced in House
Citizen comments
Sign in to comment on this bill.
No comments yet — be the first.