HR 5317
Passed a chamber
Exempts certain custodial deposits at smaller, well-capitalized banks from being treated as brokered deposits, up to 20 percent of the bank's total liabilities.
Official title: Community Bank Deposit Access Act of 2025
Timeline each lane is a chamber; dates pull from congress.gov actions
House
Introduced
11-SEP-2025
Referred
11-SEP-2025
Approved by committee
16-SEP-2025
Reported
04-NOV-2025
On the calendar
04-NOV-2025
Passed
20-MAY-2026
Senate
Received
21-MAY-2026
- Excludes custodial deposits at eligible institutions from brokered deposit treatment, up to 20 percent of the institution's total liabilities.
- Eligible institutions have under $10 billion in total assets, a composite examination rating of 1, 2, or 3, and are well capitalized or hold a waiver.
- Defines custodial deposits as deposits held by a bank, trust company, or plan administrator or investment advisor acting in a formal custodial or fiduciary capacity for a third party.
- Caps interest rates on custodial deposits accepted by covered institutions that are not well capitalized, at local market rates or at the national rate set by the FDIC for deposits outside the local market.
- Reduces the dollar amount in the Federal Reserve Act's discretionary surplus fund provision by $4,000,000, effective September 1, 2036.
Covers an older version. The newest CRS summary describes the bill as of "Reported to House" (04-NOV-2025); the text has changed since (Engrossed in House, 20-MAY-2026).
CRS is the Library of Congress's nonpartisan research office. Read it on congress.govFinance and Financial Sector
No cosponsors.