Legislative Oversight

Stable identifiers

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  "bill_type": "hr",
  "bill_number": 5317,
  "sponsor_bioguide_id": null
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Canonical URL: https://www.congress.gov/bill/119th-congress/house-bill/5317

Official text excerpt

119 HR 5317 IH: Community Bank Deposit Access Act of 2025 
 U.S. House of Representatives 
 2025-09-11 
 text/xml 
 EN 
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. 
 
 
 
 I 119th CONGRESS 1st Session H. R. 5317 IN THE HOUSE OF REPRESENTATIVES September 11, 2025 Mr. Hill of Arkansas introduced the following bill; which was referred to the Committee on Financial Services A BILL To amend the Federal Deposit Insurance Act to ensure that certain custodial deposits of well capitalized insured depository institutions are not considered to be funds obtained by or through deposit brokers, and for other purposes. 
 1. Short title This Act may be cited as the Community Bank Deposit Access Act of 2025 . 2. Limited exception for custodial deposits (a) In general Section 29 of the Federal Deposit Insurance Act ( 12 U.S.C. 1831f ) is amended by adding at the end the following: 
 
 (j) Limited exception for custodial deposits 
 (1) In general Custodial deposits of an eligible institution shall not be considered to be funds obtained, directly or indirectly, by or through a deposit broker to the extent that the total amount of such custodial deposits does not exceed an amount equal to 20 percent of the total liabilities of the eligible institution. (2) Definitions In this subsection: 
 (A) Custodial deposit The term custodial deposit means a deposit that would otherwise be considered to be obtained, directly or indirectly, by or through a deposit broker, if the deposit is deposited at 1 or more insured depository institutions, for the purpose of providing or maintaining deposit insurance for the benefit of a third party, by or through any of the following, each acting in a formal custodial or fiduciary capacity for the benefit of a third party: (i) An insured depository institution serving as agent, trustee, or custodian. 
 (ii) A trust entity controlled by an insured depository institutio…

Raw official payload (JSONB)

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Contributing member votes

Citations

• Congress.gov