Community Bank Deposit Access Act of 2025
Summary
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.
Timeline
- Nov 4, 2025Placed on the Union Calendar, Calendar No. 321.
- Nov 4, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
- Nov 4, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
- Sep 16, 2025Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
- Sep 16, 2025Committee Consideration and Mark-up Session Held
- Sep 11, 2025Referred to the House Committee on Financial Services.
- Sep 11, 2025Introduced in House
- Sep 11, 2025Introduced in House
In the News
- Congress keeps propping government-backed deposit insurance up, risk keeps rising - Competitive Enterprise Institute
- Press Release: French Hill Votes to Pass Three Bipartisan Appropriations Bills for FY26 - Quiver Quantitative
- Congress needs to level the playing field for American banks - American Banker
- Easing the burden: a year of community bank reform - IFLR
- ICYMI: Committee Democrats’ Markup Recap - House Financial Services Committee Democrats (.gov)
- Rep. Hill introduces legislation to strengthen community banks - Financial Regulation News -
- Congresswoman Lizzie Fletcher’s Bill To Honor Deputy Sandeep Singh Dhaliwal Signed Into Law - House.gov
- Honoring Deputy Sandeep Singh Dhaliwal Nearly One Year After His Death, Congresswoman Lizzie Fletcher’s Bill to Rename Houston Post Office in His Memory Passes House of Representatives - House.gov
- Distilling on Tribal Lands Is Now Legal in the U.S. - go.sevenfifty.com
- New bill repeals old prohibition on distilleries in Indian Country - Indianz.Com