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Community Bank Deposit Access Act of 2025

12/3/2025, 4:04 PM

Summary of Bill HR 5317

The bill titled "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," designated as H.R. 5317 in the 119th Congress, was introduced on September 11, 2025.

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

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Current Status of Bill HR 5317

Bill HR 5317 is currently in the status of Bill Introduced since September 11, 2025. Bill HR 5317 was introduced during Congress 119 and was introduced to the House on September 11, 2025.  Bill HR 5317's most recent activity was Placed on the Union Calendar, Calendar No. 321. as of November 4, 2025

Bipartisan Support of Bill HR 5317

Total Number of Sponsors
1
Democrat Sponsors
0
Republican Sponsors
1
Unaffiliated Sponsors
0
Total Number of Cosponsors
0
Democrat Cosponsors
0
Republican Cosponsors
0
Unaffiliated Cosponsors
0

Policy Area and Potential Impact of Bill HR 5317

Primary Policy Focus

Finance and Financial Sector

Alternate Title(s) of Bill HR 5317

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.
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.

Comments

Sponsors and Cosponsors of HR 5317

J. French Hill
J. French Hill
ArkansasRepublican

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