HR 5317
· 119th Congress
· Finance and Financial Sector
Community Bank Deposit Access Act of 2025
Sponsor
Latest action
Placed on the Union Calendar, Calendar No. 321.
Action timeline
Every recorded action on this bill, newest first. Stage badges color-code the legislative path.
Nov 04, 2025
committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
Financial Services Committee
Nov 04, 2025
other
Placed on the Union Calendar, Calendar No. 321.
Sep 16, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
Sep 16, 2025
committee
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
Financial Services Committee
Sep 11, 2025
introduced
Introduced in House
Sep 11, 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.
07
Reported to House
Nov 04, 2025
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.
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.
+72
−41
48 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 5317 Introduced in House (IH)]
+[H.R. 5317 Reported in House (RH)]
<DOC>
+Union Calendar No. 321
119th CONGRESS
1st Session
H. R. 5317
+
+[Report No. 119-369]
To amend the Federal Deposit Insurance Act to ensure that certain
custodial deposits of well capitalized insured depository institutions
@@ -20,6 +23,15 @@
Mr. Hill of Arkansas introduced the following bill; which was referred
to the Committee on Financial Services
+
+November 4, 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
+September 11, 2025]
_______________________________________________________________________
@@ -51,9 +63,12 @@
liabilities of the eligible institution.
``(2) Definitions.--In this subsection:
``(A) Custodial deposit.--The term `custodial
-deposit' means a deposit that would otherwise be
-considered to be obtained, directly or indirectly, by
-or through a deposit broker, if the deposit is
+deposit' means a deposit that is not deposited at an
+insured depository institution in return for fees paid
+by the insured depository institution pursuant to an
+agreement with a third party and that would otherwise
+be considered to be obtained, directly or indirectly,
+by or through a deposit broker, if the deposit is
deposited at 1 or more insured depository institutions,
for the purpose of providing or maintaining deposit
insurance for the benefit of a third party, by or
@@ -69,59 +84,51 @@
serving as agent, trustee, or custodian.
``(iv) A plan administrator or investment
advisor, acting in a formal custodial or
-fiduciary capacity for the benefit of a plan,
-as defined in section 3 of the Employee
-Retirement Income Security Act of 1974 (29
-U.S.C. 1002).
+fiduciary capacity for the benefit of a plan.
``(B) Eligible institution.--The term `eligible
institution' means an insured depository institution
-that accepts custodial deposits, that were not
-deposited at the insured depository institution in
-return for fees paid by the insured depository
-institution pursuant to an agreement with a third
-party, if the insured depository institution--
-``(i) has less than $10,000,000,000 in
-total assets as reported on the consolidated
-report of condition and income as reported
-quarterly to the appropriate Federal banking
-agency;
-``(ii)(I) when most recently examined under
-section 10(d) was found to have a composite
-condition of outstanding or good; and
+that accepts custodial deposits, if the insured
+depository institution has less than $10,000,000,000 in
+total assets as reported on the consolidated report of
+condition and income as reported quarterly to the
+appropriate Federal banking agency and--
+``(i)(I) when most recently examined under
+section 10(d) was assigned a composite rating
+of 1, 2, or 3 under the Uniform Financial
+Institutions Rating System (or an equivalent
+rating under a comparable rating system); and
``(II) is well capitalized; or
-``(iii) has obtained a waiver pursuant to
+``(ii) has obtained a waiver pursuant to
subsection (c).
-``(C) Plan administrator.--The term `plan
+``(C) Plan.--The term `plan' has the meaning given
+the term in section 3 of the Employee Retirement Income
+Security Act of 1974 (29 U.S.C. 1002).
+``(D) Plan administrator.--The term `plan
administrator' has the meaning given the term
`administrator' in section 3 of the Employee Retirement
Income Security Act of 1974 (29 U.S.C. 1002).
-``(D) Well capitalized.--The term `well
+``(E) Well capitalized.--The term `well
capitalized' has the meaning given the term in section
38(b).''.
(b) Interest Rate Restriction.--Section 29 of the Federal Deposit
-Insurance Act (12 U.S.C. 1831f) is amended by striking subsection (e)
-and inserting the following:
-``(e) Restriction on Interest Rate Paid.--
+Insurance Act (12 U.S.C. 1831f), as amended by subsection (a), is
+further amended by adding at the end the following:
+``(k) Restriction on Interest Rate Paid on Certain Custodial
+Deposits.--
``(1) Definitions.--In this subsection--
``(A) the terms `custodial deposit', `eligible
institution', and `well capitalized' have the meanings
given those terms in subsection (j); and
``(B) the term `covered insured depository
institution' means an insured depository institution
-that--
-``(i) under subsection (c) or (d), accepts
-funds obtained, directly or indirectly, by or
-through a deposit broker; or
-``(ii) while acting as an eligible
-institution under subsection (j), accepts
-custodial deposits while not well capitalized.
+that while acting as an eligible institution under
+subsection (j), accepts custodial deposits while not
+well capitalized.
``(2) Prohibition.--A covered insured depository
-institution may not pay a rate of interest on funds that, under
-subsection (c) or (d), are obtained, directly or indirectly, by
-or through a deposit broker or on custodial deposits that are
-accepted while not well capitalized that, at the time the funds
-or custodial deposits are accepted, significantly exceeds the
-limit set forth in paragraph (3).
+institution may not pay a rate of interest on custodial
+deposits that are accepted while not well capitalized that, at
+the time the funds or custodial deposits are accepted,
+significantly exceeds the limit set forth in paragraph (3).
``(3) Limit on interest rates.--The limit on the rate of
interest referred to in paragraph (2) shall be not greater
than--
@@ -134,4 +141,28 @@
comparable maturity, as established by the Corporation,
for deposits accepted outside the normal market area of
the covered insured depository institution.''.
-<all>
+Union Calendar No. 321
+
+119th CONGRESS
+
+1st Session
+
+H. R. 5317
+
+[Report No. 119-369]
+
+_______________________________________________________________________
+
+A BILL
+
+To amend the Federal Deposit Insurance Act to ensure that certain
+custodial deposits of well capitalized insured depository institutions
+are not considered to be funds obtained by or through deposit brokers,
+and for other purposes.
+
+_______________________________________________________________________
+
+November 4, 2025
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
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