Community Bank Deposit Access Act of 2025 (HR 5317)

Status: In Progress. Latest action (May 21, 2026): Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

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 addi…

House vote May 20, 2026: On Motion to Suspend the Rules and Pass, as Amended — Passed.