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American Access to Banking Act
9/24/2025, 9:26 PM
Summary of Bill HR 4544
H.R. 4544 of the 119th Congress, introduced on July 17, 2025, aims to direct specific Federal banking and credit union agencies to encourage the establishment of new regulated institutions by enhancing the application review processes, assessing capital raising activities for these institutions, establishing outreach programs, and addressing other related purposes.
Read the Full Bill
Current Status of Bill HR 4544
Bill HR 4544 is currently in the status of Bill Introduced since July 17, 2025. Bill HR 4544 was introduced during Congress 119 and was introduced to the House on July 17, 2025. Bill HR 4544's most recent activity was Placed on the Union Calendar, Calendar No. 210. as of September 8, 2025
Bipartisan Support of Bill HR 4544
Total Number of Sponsors
1Democrat Sponsors
1Republican Sponsors
0Unaffiliated Sponsors
0Total Number of Cosponsors
0Democrat Cosponsors
0Republican Cosponsors
0Unaffiliated Cosponsors
0Policy Area and Potential Impact of Bill HR 4544
Primary Policy Focus
Finance and Financial SectorAlternate Title(s) of Bill HR 4544
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.
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.
Comments
April Woods
410
4 months ago
This bill is so sad, it's going to make it harder for people like me to access banking services. It's not fair that some people will be left out because of this. I can't believe they would pass something like this. Did you know that this bill also includes provisions for financial literacy programs?
Rayan Lloyd
475
4 months ago
This bill is so unfair, it's gonna make things harder for me and my fam. Why they gotta do this to us? #notcool
Lana Allison
486
2 months ago
I'm so sad about this new bill, but at least it's a step in the right direction. It's gonna make things easier for a lot of people. Did you know that this bill also includes provisions for financial education programs?
Sponsors and Cosponsors of HR 4544
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