H.R. 5317 · 119th Congress · Finance and financial sector
Community Bank Deposit Access Act of 2025
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 ↗393
16
Passed the House.
Two subjects rode one vote. The core is the community bank custodial deposit exception in Section 2. Section 3 is a separate provision that cuts the Federal Reserve's discretionary surplus fund by $4,000,000. That surplus fund cut is a budget offset and has no substantive connection to deposit brokerage. A single yes carried both the deposit rule change and the Federal Reserve fund reduction.
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
- IntroducedSep 11, 2025
- CommitteeNov 4, 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 4
- organizations named it2025 Q3 to 2026 Q3
What it does
HR 5317 exempts small well-capitalized banks' custodial deposits from brokered-deposit treatment up to 20 percent of liabilities, caps interest for banks that fall below well-capitalized, and offsets the bill by cutting the Fed's discretionary surplus fund by $4 million.
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
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 4 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 4 organizations lobbying for themselves in 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: Independent Community Bankers of America; American Fintech Council; Americans for Financial Reform; Independent Bankers Association of Texas. 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.