HR 3234Passed one chamberU.S. House · 119th Congress
Keeping Deposits Local Act
- Sponsor
- Rep. Tom Emmer (R-MN-6) (R)
- Introduced
- 2025-05-07
- Latest action
- Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (2026-05-21)
How every member voted
Passed House
On motion to suspend the rules and pass the bill, as amended · House · Roll call #177 · 20-May-2026
405
Yea
0
Nay
25
Not voting
0
Present
Democrats
204 yea · 0 nay
Republicans
200 yea · 0 nay
Independents
1 yea · 0 nay
Voted Yea (405)
- Aaron Bean (R-FL)
- Abraham Hamadeh (R-AZ)
- Adam Gray (D-CA)
- Adam Smith (D-WA)
- Addison McDowell (R-NC)
- Adelita Grijalva (D-AZ)
- Adrian Smith (R-NE)
- Adriano Espaillat (D-NY)
- Al Green (D-TX)
- Alexandria Ocasio-Cortez (D-NY)
- Alma Adams (D-NC)
- Ami Bera (D-CA)
- Analilia Mejia (D-NJ)
- André Carson (D-IN)
- Andrea Salinas (D-OR)
- Andrew Clyde (R-GA)
- Andrew Garbarino (R-NY)
- Andrew Ogles (R-TN)
- Andy Barr (R-KY)
- Andy Biggs (R-AZ)
- Andy Harris (R-MD)
- Ann Wagner (R-MO)
- April McClain Delaney (D-MD)
- Ashley Hinson (R-IA)
- August Pfluger (R-TX)
- Austin Scott (R-GA)
- Ayanna Pressley (D-MA)
- Barry Loudermilk (R-GA)
- Becca Balint (D-VT)
- Ben Cline (R-VA)
- Beth Van Duyne (R-TX)
- Betty McCollum (D-MN)
- Bill Foster (D-IL)
- Bill Huizenga (R-MI)
- Blake Moore (R-UT)
- Bonnie Watson Coleman (D-NJ)
- Brad Finstad (R-MN)
- Brad Knott (R-NC)
- Brad Sherman (D-CA)
- Bradley Schneider (D-IL)
- Brandon Gill (R-TX)
- Brendan Boyle (D-PA)
- Brett Guthrie (R-KY)
- Brian Babin (R-TX)
- Brian Fitzpatrick (R-PA)
- Brian Jack (R-GA)
- Brian Mast (R-FL)
- Brittany Pettersen (D-CO)
- Bruce Westerman (R-AR)
- Bryan Steil (R-WI)
- Burgess Owens (R-UT)
- Byron Donalds (R-FL)
- Celeste Maloy (R-UT)
- Charles Fleischmann (R-TN)
- Chellie Pingree (D-ME)
- Chris Pappas (D-NH)
- Chrissy Houlahan (D-PA)
- Christian Menefee (D-TX)
- Christopher Deluzio (D-PA)
- Christopher Smith (R-NJ)
- Chuck Edwards (R-NC)
- Claudia Tenney (R-NY)
- Clay Fuller (R-GA)
- Clay Higgins (R-LA)
- Cleo Fields (D-LA)
- Cliff Bentz (R-OR)
- Cory Mills (R-FL)
- Craig Goldman (R-TX)
- Dale Strong (R-AL)
- Dan Crenshaw (R-TX)
- Dan Newhouse (R-WA)
- Daniel Goldman (D-NY)
- Daniel Meuser (R-PA)
- Daniel Webster (R-FL)
- Danny Davis (D-IL)
- Darin LaHood (R-IL)
- Darrell Issa (R-CA)
- Darren Soto (D-FL)
- Dave Min (D-CA)
- David Joyce (R-OH)
- David Kustoff (R-TN)
- David Rouzer (R-NC)
- David Schweikert (R-AZ)
- David Taylor (R-OH)
- David Valadao (R-CA)
- Debbie Dingell (D-MI)
- Debbie Wasserman Schultz (D-FL)
- Deborah Ross (D-NC)
- Delia Ramirez (D-IL)
- Derek Schmidt (R-KS)
- Derek Tran (D-CA)
- Derrick Van Orden (R-WI)
- Diana DeGette (D-CO)
- Diana Harshbarger (R-TN)
- Dina Titus (D-NV)
- Don Bacon (R-NE)
- Donald Beyer (D-VA)
- Donald Davis (D-NC)
- Donald Norcross (D-NJ)
- Doris Matsui (D-CA)
- Dusty Johnson (R-SD)
- Dwight Evans (D-PA)
- Earl Carter (R-GA)
- Ed Case (D-HI)
- Elise Stefanik (R-NY)
- Emanuel Cleaver (D-MO)
- Emilia Sykes (D-OH)
- Emily Randall (D-WA)
- Eric Burlison (R-MO)
- Eric Crawford (R-AR)
- Eric Sorensen (D-IL)
- Erin Houchin (R-IN)
- Eugene Vindman (D-VA)
- Frank Lucas (R-OK)
- Frank Mrvan (D-IN)
- Frank Pallone (D-NJ)
- Gabe Amo (D-RI)
- Gabe Evans (R-CO)
- Gabe Vasquez (D-NM)
- George Latimer (D-NY)
- George Whitesides (D-CA)
- Gilbert Cisneros (D-CA)
- Glenn Grothman (R-WI)
- Glenn Ivey (D-MD)
- Glenn Thompson (R-PA)
- Grace Meng (D-NY)
- Greg Casar (D-TX)
- Greg Landsman (D-OH)
- Greg Stanton (D-AZ)
- Gregory Meeks (D-NY)
- Gregory Murphy (R-NC)
- Gus Bilirakis (R-FL)
- Guy Reschenthaler (R-PA)
- Gwen Moore (D-WI)
- H. Griffith (R-VA)
- Hakeem Jeffries (D-NY)
- Haley Stevens (D-MI)
- Harold Rogers (R-KY)
- Harriet Hageman (R-WY)
- Henry Cuellar (D-TX)
- Henry Johnson (D-GA)
- Herbert Conaway (D-NJ)
- Hillary Scholten (D-MI)
- Ilhan Omar (D-MN)
- J. Correa (D-CA)
- J. Hill (R-AR)
- Jack Bergman (R-MI)
- Jahana Hayes (D-CT)
- Jake Auchincloss (D-MA)
- Jake Ellzey (R-TX)
- James Baird (R-IN)
- James Clyburn (D-SC)
- James Comer (R-KY)
- James Himes (D-CT)
- James McGovern (D-MA)
- James Walkinshaw (D-VA)
- Jamie Raskin (D-MD)
- Janelle Bynum (D-OR)
- Janice Schakowsky (D-IL)
- Jared Golden (D-ME)
- Jared Huffman (D-CA)
- Jared Moskowitz (D-FL)
- Jasmine Crockett (D-TX)
- Jason Crow (D-CO)
- Jason Smith (R-MO)
- Jay Obernolte (R-CA)
- Jeff Crank (R-CO)
- Jeff Hurd (R-CO)
- Jefferson Shreve (R-IN)
- Jefferson Van Drew (R-NJ)
- Jennifer Kiggans (R-VA)
- Jennifer McClellan (D-VA)
- Jerrold Nadler (D-NY)
- Jesús García (D-IL)
- Jill Tokuda (D-HI)
- Jim Costa (D-CA)
- Jim Jordan (R-OH)
- Jimmy Gomez (D-CA)
- Jimmy Panetta (D-CA)
- Jimmy Patronis (R-FL)
- Jodey Arrington (R-TX)
- Joe Courtney (D-CT)
- Joe Neguse (D-CO)
- Joe Wilson (R-SC)
- John Carter (R-TX)
- John Garamendi (D-CA)
- John James (R-MI)
- John Joyce (R-PA)
- John Larson (D-CT)
- John Mannion (D-NY)
- John McGuire (R-VA)
- John Moolenaar (R-MI)
- John Rose (R-TN)
- John Rutherford (R-FL)
- Johnny Olszewski (D-MD)
- Joseph Morelle (D-NY)
- Josh Brecheen (R-OK)
- Josh Gottheimer (D-NJ)
- Josh Harder (D-CA)
- Josh Riley (D-NY)
- Joyce Beatty (D-OH)
- Juan Ciscomani (R-AZ)
- Juan Vargas (D-CA)
- Judy Chu (D-CA)
- Julia Brownley (D-CA)
- Julia Letlow (R-LA)
- Julie Fedorchak (R-ND)
- Kat Cammack (R-FL)
- Katherine Clark (D-MA)
- Kathy Castor (D-FL)
- Keith Self (R-TX)
- Kelly Morrison (D-MN)
- Ken Calvert (R-CA)
- Kevin Hern (R-OK)
- Kevin Kiley (I-CA)
- Kevin Mullin (D-CA)
- Kim Schrier (D-WA)
- Kristen McDonald Rivet (D-MI)
- Kweisi Mfume (D-MD)
- LaMonica McIver (D-NJ)
- Lance Gooden (R-TX)
- Lateefah Simon (D-CA)
- Laura Friedman (D-CA)
- Laura Gillen (D-NY)
- Laurel Lee (R-FL)
- Lauren Boebert (R-CO)
- Lauren Underwood (D-IL)
- Linda Sánchez (D-CA)
- Lisa McClain (R-MI)
- Lizzie Fletcher (D-TX)
- Lloyd Doggett (D-TX)
- Lloyd Smucker (R-PA)
- Lois Frankel (D-FL)
- Lori Trahan (D-MA)
- Lucy McBath (D-GA)
- Luz Rivas (D-CA)
- Madeleine Dean (D-PA)
- Maggie Goodlander (D-NH)
- Marc Veasey (D-TX)
- Marcy Kaptur (D-OH)
- Mariannette Miller-Meeks (R-IA)
- Marie Perez (D-WA)
- Marilyn Strickland (D-WA)
- Mark Alford (R-MO)
- Mark Amodei (R-NV)
- Mark DeSaulnier (D-CA)
- Mark Harris (R-NC)
- Mark Messmer (R-IN)
- Mark Pocan (D-WI)
- Mark Takano (D-CA)
- Marlin Stutzman (R-IN)
- Mary Miller (R-IL)
- Mary Scanlon (D-PA)
- Matt Van Epps (R-TN)
- Max Miller (R-OH)
- Maxine Dexter (D-OR)
- Maxine Waters (D-CA)
- Maxwell Frost (D-FL)
- Melanie Stansbury (D-NM)
- Michael Baumgartner (R-WA)
- Michael Cloud (R-TX)
- Michael Guest (R-MS)
- Michael Lawler (R-NY)
- Michael McCaul (R-TX)
- Michael Rulli (R-OH)
- Michael Simpson (R-ID)
- Michael Turner (R-OH)
- Michelle Fischbach (R-MN)
- Mike Bost (R-IL)
- Mike Carey (R-OH)
- Mike Collins (R-GA)
- Mike Flood (R-NE)
- Mike Haridopolos (R-FL)
- Mike Johnson (R-LA)
- Mike Kelly (R-PA)
- Mike Kennedy (R-UT)
- Mike Levin (D-CA)
- Mike Quigley (D-IL)
- Mike Rogers (R-AL)
- Mike Thompson (D-CA)
- Monica De La Cruz (R-TX)
- Morgan Luttrell (R-TX)
- Morgan McGarvey (D-KY)
- Nancy Pelosi (D-CA)
- Nanette Barragán (D-CA)
- Nathaniel Moran (R-TX)
- Neal Dunn (R-FL)
- Nellie Pou (D-NJ)
- Nicholas Begich (R-AK)
- Nicholas Langworthy (R-NY)
- Nick LaLota (R-NY)
- Nicole Malliotakis (R-NY)
- Nikema Williams (D-GA)
- Nikki Budzinski (D-IL)
- Norma Torres (D-CA)
- Nydia Velázquez (D-NY)
- Pat Fallon (R-TX)
- Pat Harrigan (R-NC)
- Patrick Ryan (D-NY)
- Paul Gosar (R-AZ)
- Paul Tonko (D-NY)
- Pete Aguilar (D-CA)
- Pete Sessions (R-TX)
- Pete Stauber (R-MN)
- Pramila Jayapal (D-WA)
- Raja Krishnamoorthi (D-IL)
- Ralph Norman (R-SC)
- Randy Feenstra (R-IA)
- Randy Fine (R-FL)
- Randy Weber (R-TX)
- Rashida Tlaib (D-MI)
- Raul Ruiz (D-CA)
- Richard Hudson (R-NC)
- Richard McCormick (R-GA)
- Rick Allen (R-GA)
- Rick Larsen (D-WA)
- Riley Moore (R-WV)
- Ritchie Torres (D-NY)
- Ro Khanna (D-CA)
- Robert Bresnahan (R-PA)
- Robert Garcia (D-CA)
- Robert Latta (R-OH)
- Robert Menendez (D-NJ)
- Robert Onder (R-MO)
- Robert Scott (D-VA)
- Robert Wittman (R-VA)
- Robin Kelly (D-IL)
- Roger Williams (R-TX)
- Ron Estes (R-KS)
- Ronny Jackson (R-TX)
- Rosa DeLauro (D-CT)
- Rudy Yakym (R-IN)
- Russ Fulcher (R-ID)
- Russell Fry (R-SC)
- Ryan Mackenzie (R-PA)
- Ryan Zinke (R-MT)
- Salud Carbajal (D-CA)
- Sam Liccardo (D-CA)
- Sanford Bishop (D-GA)
- Sara Jacobs (D-CA)
- Sarah Elfreth (D-MD)
- Sarah McBride (D-DE)
- Scott DesJarlais (R-TN)
- Scott Fitzgerald (R-WI)
- Scott Franklin (R-FL)
- Scott Perry (R-PA)
- Scott Peters (D-CA)
- Sean Casten (D-IL)
- Seth Magaziner (D-RI)
- Seth Moulton (D-MA)
- Sharice Davids (D-KS)
- Sheri Biggs (R-SC)
- Shomari Figures (D-AL)
- Shontel Brown (D-OH)
- Shri Thanedar (D-MI)
- Steny Hoyer (D-MD)
- Stephanie Bice (R-OK)
- Stephen Lynch (D-MA)
- Steve Scalise (R-LA)
- Steve Womack (R-AR)
- Steven Horsford (D-NV)
- Suhas Subramanyam (D-VA)
- Summer Lee (D-PA)
- Susie Lee (D-NV)
- Suzan DelBene (D-WA)
- Suzanne Bonamici (D-OR)
- Sydney Kamlager-Dove (D-CA)
- Sylvia Garcia (D-TX)
- Ted Lieu (D-CA)
- Teresa Leger Fernandez (D-NM)
- Terri Sewell (D-AL)
- Thomas Suozzi (D-NY)
- Tim Burchett (R-TN)
- Tim Moore (R-NC)
- Tim Walberg (R-MI)
- Timothy Kennedy (D-NY)
- Tom Barrett (R-MI)
- Tom Cole (R-OK)
- Tom Emmer (R-MN)
- Tom McClintock (R-CA)
- Tony Wied (R-WI)
- Tracey Mann (R-KS)
- Trent Kelly (R-MS)
- Troy Balderson (R-OH)
- Troy Carter (D-LA)
- Troy Downing (R-MT)
- Troy Nehls (R-TX)
- Val Hoyle (D-OR)
- Valerie Foushee (D-NC)
- Vern Buchanan (R-FL)
- Veronica Escobar (D-TX)
- Vicente Gonzalez (D-TX)
- Victoria Spartz (R-IN)
- Vince Fong (R-CA)
- Virginia Foxx (R-NC)
- Warren Davidson (R-OH)
- Wesley Bell (D-MO)
- Wesley Hunt (R-TX)
- William Keating (D-MA)
- William Timmons (R-SC)
- Yassamin Ansari (D-AZ)
- Young Kim (R-CA)
- Yvette Clarke (D-NY)
- Zachary Nunn (R-IA)
- Zoe Lofgren (D-CA)
Did not vote (25)
- Angie Craig (D-MN)
- Anna Luna (R-FL)
- Barry Moore (R-AL)
- Bennie Thompson (D-MS)
- Carlos Gimenez (R-FL)
- Carol Miller (R-WV)
- Chip Roy (R-TX)
- Elijah Crane (R-AZ)
- Frederica Wilson (D-FL)
- Gary Palmer (R-AL)
- Joaquin Castro (D-TX)
- Jonathan Jackson (D-IL)
- Julie Johnson (D-TX)
- Maria Salazar (R-FL)
- Mario Diaz-Balart (R-FL)
- Mike Ezell (R-MS)
- Nancy Mace (R-SC)
- Richard Neal (D-MA)
- Robert Aderholt (R-AL)
- Sam Graves (R-MO)
- Steve Cohen (D-TN)
- Thomas Kean (R-NJ)
- Thomas Massie (R-KY)
- Thomas Tiffany (R-WI)
- W. Steube (R-FL)
AI-generated summary. Written by a language model from the bill's official title and description — not by a person, and not a substitute for the bill text. Vote counts, sponsors and dates above come from the official record, not from this summary. How we build this.
# Keeping Deposits Local Act (HR 3234)
The Keeping Deposits Local Act would require banks with assets over $10 billion to maintain a minimum percentage of their deposits in the communities where they operate, rather than moving those funds to other locations or investment purposes. The bill aims to ensure that money deposited in local banks stays available for lending and economic activity in those same communities. Community banks, credit unions, and consumers who want their deposits to support local economic development would be the primary beneficiaries of this requirement.
The bill was introduced amid growing concerns about how large banks deploy customer deposits and whether they adequately serve the communities they operate in—a longstanding debate in banking policy. Supporters argue that keeping deposits local strengthens small businesses and community lending, while critics contend that such restrictions could reduce banks' efficiency and competitiveness. The bill's potential impact depends on how strict the deposit requirements would be and whether they would ultimately make credit more accessible in underserved communities or simply increase compliance costs for banks.
Key provisions
- Increases the amount of reciprocal deposits insured depository institutions may accept.
- Creates a tiered system where allowable reciprocal deposit amounts depend on institution total liabilities.
- Allows institutions with CAMELS ratings of 1, 2, or 3 to qualify for reciprocal deposits.
- Replaces current requirement of outstanding or good composite rating with broader CAMELS rating qualification.
- Banks with assets over $10 billion must maintain minimum deposit percentages in their operating communities.
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