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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.
Introduced
Sep 11, 2025
Last Action
Nov 4, 2025
Session
119th Congress
Sponsors
1 primary · 0 co
Passage Probability
19% — Moderate
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-369.
Placed on the Union Calendar, Calendar No. 321.
Committee Consideration and Mark-up Session Held
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 2.
Introduced in House
Referred to the House Committee on Financial Services.
Get a plain-English explanation of what this bill does, who it affects, and why it matters.
19%
Estimate based on legislative signals
See what factors are driving this score — cosponsor support, bipartisan backing, committee progress, and more.
Upgrade to ProPlaced on the Union Calendar, Calendar No. 321.