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Community Bank Deposit Access Act of 2025
5/23/2026, 6:53 AM
Summary of Bill HR 5317
Congressional Summary of HR 5317
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.
Read the Full Bill
Current Status of Bill HR 5317
Bipartisan Support of Bill HR 5317
Total Number of Sponsors
1Democrat Sponsors
0Republican Sponsors
1Unaffiliated Sponsors
0Total Number of Cosponsors
0Democrat Cosponsors
0Republican Cosponsors
0Unaffiliated Cosponsors
0Policy Area and Potential Impact of Bill HR 5317
Primary Policy Focus
Finance and Financial SectorAlternate Title(s) of Bill HR 5317
Comments

Titus Rodriguez
22 days ago
This bill is a joke. It's just another way for politicians to line their pockets while pretending to help the little guy. Typical. This is why people have lost faith in our government.

Jacob Faulkner
25 days ago
I think this bill is great! It will help us all in the long run.
