{"format":1,"id":"119-hr-5317","congress":119,"number":"H.R. 5317","kind":"bill","group":"bills","title":"Community Bank Deposit Access Act of 2025","title_source":"Short Title(s) as Passed House","official_title":"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.","titles":[{"type":"Official Title as Introduced","title":"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."},{"type":"Display Title","title":"Community Bank Deposit Access Act of 2025"},{"type":"Short Titles from RFS (Referred to Senate) bill text","title":"Community Bank Deposit Access Act of 2025"},{"type":"Short Title(s) as Passed House","title":"Community Bank Deposit Access Act of 2025"},{"type":"Official Title from EH (Engrossed in House) bill text","title":"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."},{"type":"Short Title(s) as Reported to House","title":"Community Bank Deposit Access Act of 2025"},{"type":"Short Title(s) as Introduced","title":"Community Bank Deposit Access Act of 2025"}],"outcome":"passed_house","law_number":null,"introduced":"2025-09-11","chambers":{"house":{"status":"roll_call","date":"2026-05-20","vote":{"id":"119-2026-h179","question":"On Motion to Suspend the Rules and Pass, as Amended","title":"Community Bank Deposit Access Act","result":"Passed","yea":393,"nay":16,"present":0,"not_voting":21,"source":"https://clerk.house.gov/evs/2026/roll179.xml"}},"senate":{"status":"pending","date":null,"vote":null}},"president":{"status":"not_yet","date":null},"vice_president_tie_breaker":null,"latest_action":{"text":"Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.","date":"2026-05-21"},"nominees":null,"amendments":[],"other_votes":[],"crs_summary":{"date":"2025-11-04","stage":"Reported to House","blocks":[{"k":"h","t":"Community Bank Deposit Access Act of 2025"},{"k":"p","t":"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."},{"k":"p","t":"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."},{"k":"p","t":"The bill also generally applies existing interest rate limits applicable to institutions that are not well-capitalized to similar institutions that accept custodial deposits."}],"words":149},"summary":{"main_subject":{"text":"Amends the Federal Deposit Insurance Act so that certain custodial deposits at insured depository institutions with less than $10,000,000,000 in total assets are not treated as funds obtained through a deposit broker, up to 20 percent of total liabilities.","cites":[{"label":"Sec. 2","href":"https://www.congress.gov/bill/119th-congress/house-bill/5317/text/eh#HD231D99172D24BA0BC5173450B0C6DBF"}]},"core_areas":["Deposit broker treatment of custodial deposits","Interest rate limits on custodial deposits accepted by institutions that are not well capitalized"],"what_it_does":[{"text":"Provides that custodial deposits of an eligible institution are not considered funds obtained by or through a deposit broker, to the extent they do not exceed 20 percent of the institution's total liabilities.","cite":{"label":"Sec. 2","href":"https://www.congress.gov/bill/119th-congress/house-bill/5317/text/eh#HD231D99172D24BA0BC5173450B0C6DBF"}},{"text":"Defines a custodial deposit as a deposit placed for deposit insurance purposes for a third party's benefit by an insured depository institution, its controlled trust entity, a State-chartered trust company, or a plan administrator or investment advisor, each acting in a formal custodial or fiduciary capacity.","cite":{"label":"Sec. 2","href":"https://www.congress.gov/bill/119th-congress/house-bill/5317/text/eh#HD231D99172D24BA0BC5173450B0C6DBF"}},{"text":"Defines an eligible institution as an insured depository institution accepting custodial deposits with less than $10,000,000,000 in total assets that is well capitalized with a composite rating of 1, 2, or 3 at its latest examination, or has obtained a waiver.","cite":{"label":"Sec. 2","href":"https://www.congress.gov/bill/119th-congress/house-bill/5317/text/eh#HD231D99172D24BA0BC5173450B0C6DBF"}},{"text":"Bars a covered institution from paying interest on custodial deposits accepted while not well capitalized that significantly exceeds the rate on deposits of similar maturity in its normal market area, or the national rate set by the Corporation for deposits accepted outside that area.","cite":{"label":"Sec. 2","href":"https://www.congress.gov/bill/119th-congress/house-bill/5317/text/eh#HD231D99172D24BA0BC5173450B0C6DBF"}},{"text":"Reduces by $4,000,000 the dollar amount specified under section 7(a)(3)(A) of the Federal Reserve Act, effective September 1, 2036.","cite":{"label":"Sec. 3","href":"https://www.congress.gov/bill/119th-congress/house-bill/5317/text/eh#H0FBC9F784BF44858BD4F0C22E4E4BB8E"}}],"unexpected":[{"category":"off_subject","items":[{"cite":{"label":"Sec. 3","href":"https://www.congress.gov/bill/119th-congress/house-bill/5317/text/eh#H0FBC9F784BF44858BD4F0C22E4E4BB8E"},"heading":"Discretionary Surplus Fund","effect":"Reduces the dollar amount specified in section 7(a)(3)(A) of the Federal Reserve Act by $4,000,000, effective September 1, 2036.","amount":"$4,000,000","quote":"The dollar amount specified under section 7(a)(3)(A) of the Federal Reserve Act (12 U.S.C. 289(a)(3)(A)) is reduced by $4,000,000."}]}],"version":{"type":"Engrossed in House","date":"2026-05-20","rule":"passed","href":"https://www.congress.gov/bill/119th-congress/house-bill/5317/text/eh"},"current":true,"model":"claude-sonnet-5-5","approved":"2026-10-03","approved_by":"checks"},"sources":{"congress_gov":"https://www.congress.gov/bill/119th-congress/house-bill/5317","text":"https://www.congress.gov/bill/119th-congress/house-bill/5317/text"},"card":{"image":"card/item/119-hr-5317.png","v":"dc28e6784e5f","alt":"Votes on Record. H.R. 5317, 119th Congress: Community Bank Deposit Access Act of 2025. House: 393 Yea, 16 Nay. Senate: not yet considered. Outcome: Passed House, 20 May 2026."}}