Community Bank Deposit Access Act of 2025
Passed first chamber: it can still change before the session ends.
- Stage
- Passed first chamber
- Started in
- House
- Sponsor
- 1
- Latest action
- May 21, 2026
What it does
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…
Official summary · Reported to House · Nov 4, 2025
Titles and provisions can change as the bill moves.
Where it stands
Introduced (Done)
Committee (Done)
Floor (Current step)
Law (Not started)
What moved
Who is involved
Sponsors
The lawmakers who put their names on it, lead sponsors first.
Where it goes next
While a bill can still move, the questions are about people and money.