Community Bank Deposit Access Act of 2025 (H.R. 5317)
May 20, 2026
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The Frame
This bill changes the regulatory classification of certain bank deposits, which affects how banks manage their liquidity and compliance requirements under federal deposit insurance rules.
Potentially affected actors named in the source documents. Mention is not a position.
Well-capitalized insured depository institutions
These institutions are subject to new classification rules for their custodial deposits.
Deposit brokers
The bill changes the legal definition of funds obtained through these entities.
Last recorded activity May 20, 2026.
Next step not available in the current record.
Summary
Key Facts
- The House passed H.R. 5317 with a vote of 393 yeas to 16 nays.
- The bill amends the Federal Deposit Insurance Act.
- The legislation changes the classification of certain custodial deposits held by well-capitalized insured depository institutions.
- Under the new rules, these specific custodial deposits will no longer be considered funds obtained by or through deposit brokers.
- The bill was passed under a suspension of the rules, requiring a two-thirds majority vote.
- The motion to pass the bill was offered by Representative Hill of Arkansas.
Why It Matters
This bill changes the regulatory classification of certain bank deposits, which affects how banks manage their liquidity and compliance requirements under federal deposit insurance rules.
Frequently Asked Questions
What does this bill change for banks?
Did this bill pass the House?
News Coverage
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Regulatory Reclassification
The bill explicitly removes certain custodial deposits from the 'deposit broker' category, likely to reduce regulatory burden on well-capitalized banks.
Connected Entities
Sources
www.govinfo.gov
Analysis Score
0–100- Significance65How much this matters to a regular citizen
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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