HR 5317Passed one chamberU.S. House · 119th Congress
Community Bank Deposit Access Act of 2025
- Sponsor
- Rep. J. Hill (R-AR-2) (R)
- Introduced
- 2025-09-11
- 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 #179 · 20-May-2026
393
Yea
16
Nay
21
Not voting
0
Present
Democrats
189 yea · 16 nay
Republicans
203 yea · 0 nay
Independents
1 yea · 0 nay
Voted Yea (393)
- Aaron Bean (R-FL)
- Abraham Hamadeh (R-AZ)
- Adam Gray (D-CA)
- Adam Smith (D-WA)
- Addison McDowell (R-NC)
- Adrian Smith (R-NE)
- Adriano Espaillat (D-NY)
- Al Green (D-TX)
- 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)
- 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 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)
- Carlos Gimenez (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)
- 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)
- Gary Palmer (R-AL)
- 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 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)
- 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 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)
- Jill Tokuda (D-HI)
- Jim Costa (D-CA)
- Jim Jordan (R-OH)
- Jimmy Panetta (D-CA)
- Jimmy Patronis (R-FL)
- Joaquin Castro (D-TX)
- 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)
- Maria Salazar (R-FL)
- Mariannette Miller-Meeks (R-IA)
- Marie Perez (D-WA)
- Marilyn Strickland (D-WA)
- Mario Diaz-Balart (R-FL)
- Mark Alford (R-MO)
- Mark Amodei (R-NV)
- Mark Harris (R-NC)
- Mark Messmer (R-IN)
- 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 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)
- Raja Krishnamoorthi (D-IL)
- Ralph Norman (R-SC)
- Randy Feenstra (R-IA)
- Randy Fine (R-FL)
- Randy Weber (R-TX)
- 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)
- 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)
- Young Kim (R-CA)
- Yvette Clarke (D-NY)
- Zachary Nunn (R-IA)
- Zoe Lofgren (D-CA)
Voted Nay (16)
- Adelita Grijalva (D-AZ)
- Alexandria Ocasio-Cortez (D-NY)
- Ayanna Pressley (D-MA)
- Delia Ramirez (D-IL)
- Greg Casar (D-TX)
- Ilhan Omar (D-MN)
- James McGovern (D-MA)
- Jesús García (D-IL)
- Jimmy Gomez (D-CA)
- Mark DeSaulnier (D-CA)
- Mark Pocan (D-WI)
- Maxine Dexter (D-OR)
- Pramila Jayapal (D-WA)
- Rashida Tlaib (D-MI)
- Summer Lee (D-PA)
- Yassamin Ansari (D-AZ)
Did not vote (21)
- Angie Craig (D-MN)
- Anna Luna (R-FL)
- Barry Moore (R-AL)
- Bennie Thompson (D-MS)
- Brad Knott (R-NC)
- Carol Miller (R-WV)
- Chip Roy (R-TX)
- Elijah Crane (R-AZ)
- Frederica Wilson (D-FL)
- Jonathan Jackson (D-IL)
- Julie Johnson (D-TX)
- 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.
HR 5317, the Community Bank Deposit Access Act of 2025, aims to expand deposit insurance coverage for community banks and their customers. The bill modifies federal deposit insurance rules to provide broader protections for deposits held at smaller, locally-focused financial institutions. By increasing or adjusting the scope of what deposits are covered under federal insurance programs, the legislation directly benefits community bank depositors, bank owners, and the institutions themselves, which typically serve rural and smaller urban markets.
The bill was introduced amid ongoing concerns about the stability of regional and community banks following several high-profile bank failures in 2023. Community banks have faced competitive pressures and rising operational costs, leading policymakers from both parties to explore ways to support their continued operation and depositor confidence. The legislation reflects a broader effort to strengthen the financial sector's smaller players, though its specific impact will depend on how deposit insurance protections are redefined and whether the changes meaningfully help banks attract and retain deposits without creating unintended consequences for larger financial institutions.
Key provisions
- Custodial deposits at insured depository institutions under $10 billion in assets are no longer classified as brokered deposits if they do not exceed 20% of the institution's liabilities.
- Institutions accepting custodial deposits must be well-capitalized and have a specified minimum soundness rating, or obtain a Federal Deposit Insurance Corporation waiver.
- Existing interest rate limits applicable to non-well-capitalized institutions are now applied to similar institutions that accept custodial deposits.
- The bill removes additional federal oversight previously applied to institutions accepting brokered deposits, for qualifying custodial deposit arrangements.
- Community banks under $10 billion in total assets gain eligibility to hold custodial deposits without brokered deposit restrictions.
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