H.R. 4544 · 119th Congress · Finance and financial sector
American Access to Banking Act
How the House voted
Yea from the left, nay from the right, each side by party
Bundled: this vote covered more than one measure.
House · May 20, 2026
Roll call ↗405
4
Passed the House.
Not single-subject. Sections 2 through 6 build a program to promote the formation of new (de novo) banks and credit unions. Section 7 does something unrelated: it reduces the Federal Reserve's Discretionary Surplus Fund by $24,000,000. A single yes vote carried both the de novo program and the Fed surplus-fund cut, which serves as an offset. The machine signal labeled this standalone because the surplus-fund reduction rides as an ordinary section, not a separate division.
Passed the House on May 20, 2026.
Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs
- IntroducedJul 17, 2025
- CommitteeSep 8, 2025
- Passed HouseMay 20, 2026
- Passed Senate
- Became law
On the record
- Cosponsors
- None
- Committees
- Senate Committee on Banking, Housing, and Urban AffairsHouse Committee on Financial Services
- Lobbying
- At least 5
- organizations named it2025 Q2 to 2026 Q3
What it does
This bill orders the Federal financial institutions regulatory agencies to make it easier to form a new bank or credit union.
How each member voted
The House roll call, passed the House, May 20, 2026
Yea unless marked
D · House · NC-12
D · House · CA-33
R · House · MO-4
R · House · GA-12
This bill orders the Federal financial institutions regulatory agencies to make it easier to form a new bank or credit union. The agencies must review and streamline their de novo application forms, pull applicant information from other government sources instead of re-requesting it, and study with the SEC how new institutions raise capital. At an applicant's request, each agency must assign a caseworker as the applicant's point of contact and provide a list of recently approved institutions willing to serve as mentors. Each agency must build a plan to consult state regulators and stakeholders and run workshops, then report to Congress. Separately, the bill cuts the Federal Reserve's Discretionary Surplus Fund by $24,000,000, effective September 1, 2036.
Each stop is a step the bill’s own record states, with the date it happened. A ring is a step not yet taken. A bill becomes law when the President signs it or Congress overrides a veto.
At least 5 organizations named this measure in a lobbying filing. A floor, not a total: they were counted by the client name on 12 quarterly reports filed by 5 organizations lobbying for themselves in 2025 Q2, 2025 Q3, 2025 Q4, 2026 Q1, 2026 Q2 and 2026 Q3. An organization that lobbied this measure without naming it is not counted here.
The filings record that lobbying was reported on the measure. The form has no per-bill dollar figure and no field for a position, so nothing here says how much was spent or which side an organization took.
The organizations named: Center for Responsible Lending A Supporting Corp of Ctr for Community Self-Help; Credit Union National Association, Inc. dba America's Credit Unions; American Bankers Association; Independent Community Bankers of America; Americas Credit Unions, Fka Credit Union National Association, Inc. dba America. Listed as filed. They are every client name on the filings counted here.
From the LD-2 quarterly lobbying filings published at lda.gov by the Senate Office of Public Records. Read for 2025 Q1, 2025 Q2, 2025 Q3, 2025 Q4, 2026 Q1, 2026 Q2 and 2026 Q3. Our copy holds 24 fewer filings for 2025 Q1, 39 fewer filings for 2025 Q2, 42 fewer filings for 2025 Q3, 33 fewer filings for 2025 Q4, 28 fewer filings for 2026 Q1, 48 fewer filings for 2026 Q2 and 218 fewer filings for 2026 Q3 than the Senate's register counts, so those quarters are the filings we could read rather than every one filed. 2026 Q4 is still inside its filing window, so that quarter is only the filings posted so far.
Congress.gov bill status and cosponsor records; the House Clerk and Senate roll calls; lobbying reports filed under the Lobbying Disclosure Act (lda.gov); the plain summary and provisions are read from the bill text, each with its section.