Congress Moves to Let Some Community Banks Count More Custodial Deposits as Non-Brokered Funds
The House passed this bill in May 2026 and sent it to the Senate. It is now waiting for the Senate Committee on Banking, Housing, and Urban Affairs to take action. The bill is currently stalled because the Senate has not scheduled any further steps for it since May 2026.
No action since May 2026
How this policy affects specific groups of people
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.
Motion to reconsider laid on the table Agreed to without objection.
On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 393 - 16 (Roll no. 179).
The House fast-tracked this bill — limited debate, no amendments allowed, but needs two-thirds support to pass.
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 393 - 16 (Roll no. 179).
The House fast-tracked this bill — limited debate, no amendments allowed, but needs two-thirds support to pass.
Considered as unfinished business.
On Motion to Suspend the Rules and Pass, as Amended
Recaps House Financial Services Committee action; notes H.R. 5317 passed 49-2 and would let qualifying community banks treat certain custodial deposits as non-brokered up to 20% of liabilities.
Preview of House Financial Services Committee markup lists H.R. 5317 and summarizes its custodial-deposit exception from brokered-deposit treatment (20% of liabilities cap).
Industry group statement praising advancement of H.R. 5317; frames it as supporting bank–fintech custodial deposit arrangements by distinguishing them from brokered deposits.
Document Type
Congressional Bill
Official Title
Community Bank Deposit Access Act of 2025
Analysis generated by AI. Always verify with official sources.