HR 4544
· 119th Congress
· Finance and Financial Sector
American Access to Banking Act
Sponsor
Latest action
Placed on the Union Calendar, Calendar No. 210.
Action timeline
Every recorded action on this bill, newest first. Stage badges color-code the legislative path.
Sep 08, 2025
committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
Financial Services Committee
Sep 08, 2025
other
Placed on the Union Calendar, Calendar No. 210.
Jul 23, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
Jul 23, 2025
committee
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
Financial Services Committee
Jul 22, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
Jul 17, 2025
introduced
Introduced in House
Jul 17, 2025
introduced
Referred to the House Committee on Financial Services.
Financial Services Committee
Text versions
Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.
CRS summaries
Plain-English summaries written by the Congressional Research Service — neutral, nonpartisan staff who summarize bills as they advance through stages. The authoritative description of what each version of the bill does.
00
Introduced in House
Jul 17, 2025
American Access to Banking Act
This bill requires federal financial regulators to review and streamline the application process for the formation of de novo, or new, depository institutions or credit unions.
Regulators must (1) review the application process; (2) to the extent practicable, collect necessary information from other agencies in order to minimize requests for applicant information; and (3) review how de novo financial intuitions raise capital while maintaining investor protections, including the impact of restrictions on raising capital.
At the request of an applicant, regulators must (1) designate an employee as a caseworker to assist in the application process, and (2) provide a list of similar institutions interested in serving as a mentor.
Each regulator must also develop a state and stakeholder engagement plan to assist interested parties with understanding the relevant regulatory processes.
via Congressional Research Service · published through congress.gov
Changelog
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih / is — Introduced in House / Senate. First filed version.rfh / rfs — Referred to a committee for review.rh / rs — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs / pch — Placed on Calendar for floor consideration.eh / es — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh / rds — Received by the other chamber.eah / eas — Engrossed Amendment. The other chamber passed an amended version.ath / ats — Agreed to. Both chambers settled on the same text.enr — Enrolled. Final reconciled text, sent to the President.pl — Public Law. Signed by the President. It's now law.pp — Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih/is— Introduced in House / Senate. First filed version.rfh/rfs— Referred to a committee for review.rh/rs— Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs/pch— Placed on Calendar for floor consideration.eh/es— Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh/rds— Received by the other chamber.eah/eas— Engrossed Amendment. The other chamber passed an amended version.ath/ats— Agreed to. Both chambers settled on the same text.enr— Enrolled. Final reconciled text, sent to the President.pl— Public Law. Signed by the President. It's now law.pp— Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
Line-level diff between text versions of this bill — what actually changed at each legislative stage.
+49
−10
37 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 4544 Introduced in House (IH)]
+[H.R. 4544 Reported in House (RH)]
<DOC>
+Union Calendar No. 210
119th CONGRESS
1st Session
H. R. 4544
+
+[Report No. 119-253]
To direct certain Federal banking and credit union agencies to promote
the formation of de novo regulated institutions through the review of
@@ -22,6 +25,15 @@
Ms. Waters introduced the following bill; which was referred to the
Committee on Financial Services
+September 8, 2025
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
+[Strike out all after the enacting clause and insert the part printed
+in italic]
+[For text of introduced bill, see copy of bill as introduced on July
+17, 2025]
+
_______________________________________________________________________
A BILL
@@ -44,10 +56,9 @@
(a) In General.--Each of the Federal financial institutions
regulatory agencies shall--
-(1) for the purpose of simplifying and streamlining the
-process of applying to become a de novo regulated institution,
-conduct a review of any application forms related to such
-process;
+(1) for the purpose of streamlining the process of applying
+to become a de novo regulated institution, conduct a review of
+any application forms related to such process;
(2) to the extent practicable, gather information needed
from applicants seeking to become a de novo regulated
institution from other Federal Government agencies or public
@@ -63,8 +74,9 @@
(b) Report.--Not later than 1 year after the date of the enactment
of this section, and annually for 5 years thereafter, each of the
Federal financial institutions regulatory agencies shall submit to the
-Congress and publish on a public website of such agency a report that
-contains--
+Committee on Financial Services of the House of Representatives and the
+Committee on Banking, Housing, and Urban Affairs of the Senate and
+publish on a public website of such agency a report that contains--
(1) a description of the actions taken by such agency
pursuant to subsection (a); and
(2) as appropriate, any administrative or legislative
@@ -131,8 +143,10 @@
(1) In general.--Not later than 2 years after the date of
the enactment of this section, and every 5 years thereafter,
each of the Federal financial institutions regulatory agencies
-shall submit to the Congress the respective plan of such agency
-described in subsection (a).
+shall submit to the Committee on Financial Services of the
+House of Representatives and the Committee on Banking, Housing,
+and Urban Affairs of the Senate the respective plan of such
+agency described in subsection (a).
(2) Public comment.--With respect to developing the plan
described in subsection (a), each of the Federal financial
institutions regulatory agencies shall--
@@ -177,4 +191,29 @@
applying to become a de novo regulated institution shall include the
process of applying for Federal deposit insurance, Federal share
insurance, or membership of a Federal reserve bank.
-<all>
+Union Calendar No. 210
+
+119th CONGRESS
+
+1st Session
+
+H. R. 4544
+
+[Report No. 119-253]
+
+_______________________________________________________________________
+
+A BILL
+
+To direct certain Federal banking and credit union agencies to promote
+the formation of de novo regulated institutions through the review of
+application processes, the review of capital raising by de novo
+regulated institutions, and the establishment of various outreach
+programs, and for other purposes.
+
+_______________________________________________________________________
+
+September 8, 2025
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
Lobbying activity
Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.
3
filings · 2026 Q3
2
filings · 2026 Q4
2
filings · 2025 Q3
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