H.R. 5317 · Passed House · Finance and Financial Sector

Community Bank Deposit Access Act of 2025

Sponsor: J. French Hill (R-AR)

What it does

• Excludes custodial deposits from treatment as brokered deposits at insured depository institutions with under $10 billion in assets, if the deposits stay within 20% of liabilities.
• Requires such an institution to be well-capitalized with a specified minimum soundness rating, or to hold an FDIC waiver.
• Extends existing interest rate limits for institutions that are not well-capitalized to similar institutions accepting custodial deposits.

Official summary

Community Bank Deposit Access Act of 2025 This 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.

Latest action

May 21, 2026: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Committee: Senate Banking, Housing, and Urban Affairs