H.R. 5317 · 119th Congress · Finance and Financial Sector
Community Bank Deposit Access Act of 2025
Exempts custodial deposits at small banks from brokered deposit classification and oversight. AI-read
What it does
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.
Summary by the Congressional Research Service, Nov 4, 2025 (Reported to House). CRS summarizes bills impartially; it does not take positions.
Roll call votes
| Date | Question | Party split (yea) | Result |
|---|---|---|---|
| May 20, 2026 House roll 539 |
On Motion to Suspend the Rules and Pass, as AmendedCommunity Bank Deposit Access Act | D 189–16 · R 203–0 · I 1–0 |
Passed 393–16 |
Latest action
May 21, 2026 · Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.