# 119-hr-5317: Community Bank Deposit Access Act of 2025

119-hr-5317, Community Bank Deposit Access Act of 2025, is a 119th Congress bill sponsored by Rep. Hill, J. French [R-AR-2] (R-AR); status passed_house; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-5317
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-5317
- Congress: 119
- Title: Community Bank Deposit Access Act of 2025
- Status: passed_house
- Introduced: 2025-09-11
- Sponsor: Rep. Hill, J. French [R-AR-2] (R-AR)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Creates a narrow rule that lets small, well‑capitalized banks treat certain custodial deposits as not brokered up to 20% of their liabilities.** It also caps interest paid on those deposits when a bank is not well capitalized and reduces a Reserve surplus by $4.0 million effective September 1, 2036. - Small and mid‑size banks: Banks with under $10 billion in assets and acceptable examination ratings can count custodial deposits up to 20% of liabilities as non‑brokered. That can ease funding constraints for eligible institutions. - Plan administrators and beneficiaries: Custodial arrangements for retirement plans and similar accounts are defined so those deposits can stay insured and easier to place at local custodial providers. - Regulators and pricing: Institutions that are not well capitalized face caps on rates paid for custodial deposits tied to local market rates or FDIC national benchmarks to deter above‑market offers. *Reduces the discretionary surplus fund by $4.0 million effective Sept 1, 2036, a small future reduction in federal balances that slightly strains the budget.*

## Votes

| Date | Chamber | Question | Result | Yea | Nay |
| --- | --- | --- | --- | --- | --- |
| 2026-05-20T00:00:00.000Z | house | On Motion to Suspend the Rules and Pass, as Amended | Passed | 393 | 16 |

## Provisions PRIA read

- Small cut to Federal Reserve surplus in 2036: cost, low. This bill would reduce a Federal Reserve surplus fund amount by $4 million, effective September 1, 2036. It would adjust the statutory dollar figure for the Reserve Bank surplus; the bill does not specify other operational changes.
- Small banks: easier custodial deposits, rate cap: mixed, medium. This bill would let qualifying small banks treat some custodial deposits—funds held for others by a custodian or trustee—as not brokered. The exclusion would apply only up to an amount equal to 20% of the bank’s total liabilities. To qualify, the bank would need under $10 billion in assets and a co…

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hres-1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.
- 119-hr-3633: Digital Asset Market Clarity Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-8398: Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act

## Sources
- [119-hr-5317 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5317)

## Related
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hres-1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644…](https://policyrisk.com/legislation/119-hres-1299)
- [119-hr-3633: Digital Asset Market Clarity Act](https://policyrisk.com/legislation/119-hr-3633)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-8398: Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act](https://policyrisk.com/legislation/119-hr-8398)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5317 (as of 2026-09-21).