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U.S. GOVERNMENT
INFORMATION 4
119TH CONGRESS REPORT
1st Session J HOUSE OF REPRESENTATIVES 119-369
COMMUNITY BANK DEPOSIT ACCESS ACT OF 2025
NOVEMBER 4, 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. 5317]
The Committee on Financial Services, to whom was referred the
bill (H.R. 5317) to amend the Federal Deposit Insurance Act to en-
sure that certain custodial deposits of well capitalized insured de-
pository institutions are not considered to be funds obtained by or
through deposit brokers, and for other purposes, having considered
the same, reports favorably thereon with an amendment and rec-
ommends that the bill as amended do pass.
CONTENTS
Purpose and Sum m ary ........................................................................................... . 3
Background and Need for Legislation .................................................................... 3
Com m ittee Consideration ........................................................................................ 3
R elated H earings ..................................................................................................... 4
C om m ittee V otes ..................................................................................................... 4
Com m ittee Oversight Findings ............................................................................... 6
Perform ance Goals and Objectives ......................................................................... 6
Com m ittee Cost Estim ate ....................................................................................... 6
New Budget Authority and CBO Cost Estimate ................................................... 6
Unfunded M andates Statem ent .............................................................................. 6
E arm ark Statem ent ................................................................................................. 6
Federal Advisory Committee Act Statement ......................................................... 7
Applicability to the Legislative Branch ................................................................. 7
Duplication of Federal Program s ............................................................................ 7
Section-by-Section Analysis of the Legislation ...................................................... 7
Changes in Existing Law Made by the Bill, as Reported ................. 7
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 Community Bank Deposit Access Act of 2025.
69-006](ViewImageLocal?handle=hein.congrecreports/crptxahvb0001&div=1&collection=&method=preview&ext=.png&size=3)