VoterlyH.R. 5317: Community Bank Deposit Access Act of 2025
119th Congress · Sponsored from Arkansas · In committee
What this bill does
Community Bank Deposit Access Act of 2025This 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 have a specified minimum soundness rating, or be in possession of a waiver from the Federal Deposit Insurance Corporation.The bill also generally applies existing interest rate limits applicable to institutions that are not well-capitalized to similar institutions that accept custodial deposits.
Key facts
- Status In committee
- Introduced 2025-09-11
- Policy area Finance and Financial Sector
- Cosponsors 0
- Latest action Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sponsor
Who funds the sponsor?
Rep. Hill, J. French [R-AR-2] introduced H.R. 5317. On Voterly you can see their top campaign donors from public Federal Election Commission records — individuals, PACs, and industry groups (follow the money) — and compare that with how they vote.
See Rep. Hill, J. French [R-AR-2]'s donors & voting record →
Campaign donations show who helps fund the sponsor's election; they are not the same as who drafted or lobbied for the bill text. Lobbying disclosures are separate public records.
Take a position & compare alignment
Agree or disagree with H.R. 5317? Go to the homepage to record your view and compare your stance with how your representatives vote. See Rep. Hill, J. French [R-AR-2]'s profile to vote on their bills and check your alignment % with the sponsor.
Read the official text on Congress.gov →
Frequently asked questions
What does H.R. 5317 do?
Community Bank Deposit Access Act of 2025This 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…
Who sponsored H.R. 5317?
Rep. Hill, J. French [R-AR-2] (R) of Arkansas is the lead sponsor.
How do I find out who funds or lobbies for H.R. 5317?
Campaign-finance records (Federal Election Commission) show who funds the bill's sponsor. Separately, federal lobbying disclosures filed under the Lobbying Disclosure Act list the companies and lobbyists who reported lobbying on specific bills. Voterly links the sponsor's donors; lobbying records are public at the U.S. Senate and House lobbying databases.
Is H.R. 5317 now law?
Not yet. The current status is "In committee." See the latest action above for details.