Legislative Oversight

Stable identifiers

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  "sponsor_bioguide_id": null
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Canonical URL: https://www.congress.gov/bill/119th-congress/house-bill/4544

Official text excerpt

119 HR 4544 IH: American Access to Banking Act 
 U.S. House of Representatives 
 2025-07-17 
 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. 4544 IN THE HOUSE OF REPRESENTATIVES July 17, 2025 Ms. Waters introduced the following bill; which was referred to the Committee on Financial Services A BILL To direct certain Federal banking and credit union agencies to promote the formation of de novo regulated institutions through the review of application processes, the review of capital raising by de novo regulated institutions, and the establishment of various outreach programs, and for other purposes. 1. Short title This Act may be cited as the American Access to Banking Act . 2. Streamlining application process and review of capital raising by de novo regulated institutions (a) In general Each of the Federal financial institutions regulatory agencies shall— (1) for the purpose of simplifying and streamlining the process of applying to become a de novo regulated institution, conduct a review of any application forms related to such process; (2) to the extent practicable, gather information needed from applicants seeking to become a de novo regulated institution from other Federal Government agencies or public sources to minimize information requests of such applicants; and (3) in consultation with the Securities and Exchange Commission, review how de novo regulated institutions raise capital while maintaining investor protections, including the impact of— (A) general capital raising restrictions; and (B) capital raising restrictions related to individuals who are not accredited investors. (b) Report Not later than 1 year after the date of the enactment of this section, and annually for 5 years thereafter, each of the Federal financial institutions regulatory agencies shall submit to the Congress and publish on a public webs…

Raw official payload (JSONB)

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Contributing member votes

Citations

• Congress.gov