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![handle is hein.congrecreports/crptxahpv0001 and id is 1 raw text is: AUT-ENTICATED
US. GOVERNMENT
INFORMATION
GP
119TH CONGRESS REPORT
1st Session HOUSE OF REPRESENTATIVES 119-253
AMERICAN ACCESS TO BANKING ACT
SEPTEMBER 8, 2025.-Committed to the Committee of the Whole House on the State
of the Union and ordered to be printed
Mr. HILL of Arkansas, from the Committee on Financial Services,
submitted the following
REPORT
[To accompany H.R. 4544]
The Committee on Financial Services, to whom was referred the
bill (H.R. 4544) 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, having consid-
ered the same, reports favorably thereon with an amendment and
recommends that the bill as amended do pass.
CONTENTS
Page
Purpose and Sum m ary ............................................................................................ 2
Background and Need for Legislation .................................................................... 2
Com m ittee Consideration ........................................................................................ 4
R elated H earing ...................................................................................................... . 4
C om m ittee V otes ..................................................................................................... 4
Com m ittee Oversight Findings ............................................................................... 7
Perform ance Goals and Objectives ......................................................................... 7
Com m ittee Cost Estim ate ....................................................................................... 7
New Budget Authority and CBO Cost Estimate ................................................... 7
Unfunded M andates Statem ent ............................................................................. 7
E arm ark Statem ent ................................................................................................. 7
Federal Advisory Committee Act Statement ......................................................... 7
Applicability to the Legislative Branch ................................................................. 8
Duplication of Federal Program s ............................................................................ 8
Section-by-Section Analysis of the Legislation ...................................................... 8
Changes in Existing Law Made by the Bill, as Reported ................. 9
The amendment is as follows:
Strike all after the enacting clause and insert the following:
SECTION 1. SHORT TITLE.
This Act may be cited as the American Access to Banking Act.
59-006](ViewImageLocal?handle=hein.congrecreports/crptxahpv0001&div=1&collection=&method=preview&ext=.png&size=3)