# 114-hr-5511: Equal Access to Banking Act

114-hr-5511, Equal Access to Banking Act, is a 114th Congress bill sponsored by Rep. Delaney, John K. [D-MD-6] (D-MD); status Referred to the House Committee on Financial Services. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-5511
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 114-hr-5511
- Congress: 114
- Title: Equal Access to Banking Act
- Status: Referred to the House Committee on Financial Services.
- Introduced: 2016-06-16
- Sponsor: Rep. Delaney, John K. [D-MD-6] (D-MD)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Equal Access to Banking Act This bill requires the Federal Deposit Insurance Corporation (FDIC) to issue regulations: (1) easing the restrictive impact of regulations issued pursuant to the Federal Deposit Insurance Act relating to the factors to be considered for deposit insurance on non-profit community development financial institution banks, and (2) easing restrictions on the operation of such banks insured by the FDIC. The FDIC shall ensure that such regulations issued under this bill: (1) will not provide an opportunity for individuals or for-profit financial institutions to avoid taxation or other requirements related to deposit insurance, and (2) allow charitable contributions and grants to such banks. The FDIC shall terminate the deposit insurance of such a bank if the bank loses its certification as a community development financial institution. The bill defines a "non-profit community development financial institution bank" as a non-profit depository institution that: (1) is certified as a community development financial institution by the Community Development Financial Institutions Fund, and (2) serves low-income and moderate-income customers.

## Cosponsors (1)

- Rep. Carney, John C., Jr. [D-DE-At Large] (D-DE), 2016-06-16T00:00:00.000Z

## Related bills

- 114-hr-6500: Moving Housing Forward Act of 2016
- 114-hr-5989: United States and Israel Space Cooperation Act
- 114-hr-5928: Expanding Rent-to-Own Protections Act of 2016
- 114-hr-5170: Social Impact Partnerships to Pay for Results Act
- 114-hr-5051: OPEN Government Data Act
- 114-hr-5044: Making supplemental appropriations for fiscal year 2016 to respond to Zika virus.

## Sources
- [114-hr-5511 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/5511)

## Related
- [114-hr-6500: Moving Housing Forward Act of 2016](https://policyrisk.com/legislation/114-hr-6500)
- [114-hr-5989: United States and Israel Space Cooperation Act](https://policyrisk.com/legislation/114-hr-5989)
- [114-hr-5928: Expanding Rent-to-Own Protections Act of 2016](https://policyrisk.com/legislation/114-hr-5928)
- [114-hr-5170: Social Impact Partnerships to Pay for Results Act](https://policyrisk.com/legislation/114-hr-5170)
- [114-hr-5051: OPEN Government Data Act](https://policyrisk.com/legislation/114-hr-5051)
- [114-hr-5044: Making supplemental appropriations for fiscal year 2016 to respond to Zika viru…](https://policyrisk.com/legislation/114-hr-5044)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-5511 (as of 2025-11-18).