Keeping Deposits Local Act

Sponsored by Rep. Tom Emmer (R-MN) · 11 active : 8 Republicans, 3 Democrats

Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Read the summary

Where it standsPassed House, now in the Senate

Passed House

House: passedMay 20, 2026
Senate: next
President: not yet

8 senators score as swing votes

Summary

, via Congress.gov

Summary on Congress.gov

This bill increases the amount insured depository institutions may accept as reciprocal deposits. (Reciprocal deposits are used by institutions to increase the availability of deposit insurance by splitting large deposits using a reciprocal network of institutions.) The bill creates a tiered system so that the allowable amount is based on the institution's total liabilities.

Read full summary

Additionally, the bill changes certain qualifications insured depository institutions may be required to have to accept reciprocal deposits. Under current law, institutions may qualify by having a composite rating of outstanding or good, among other requirements. The bill allows institutions with a 1, 2, or 3 rating under the CAMELS scale to qualify. (The Uniform Financial Institutions Rating System uses the characteristics of capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk (i.e., CAMELS ratings) to rate the health of financial institutions, with a 1 indicating the highest rating and least degree of supervisory concern and a 5 indicating the lowest rating and highest degree of supervisory concern.)

How the projections held up

Each member’s recorded vote compared with their swing projection from before the vote. A member by voting against most of their own party.

House

On Motion to Suspend the Rules and Pass, as AmendedPassed405 yea, 0 nayMay 20, 2026 · Roll call 177

How members in each band voted on this House vote, by their projection before the vote
BandBand before the vote	VotedVoted yea or nay	Share
Swing	44	0%
Middle	245	0%
Entrenched	113	0%

Committees and subjects

Committees

House Committee on Financial Services · HouseReported by · Markup by · Referred to
Senate Committee on Banking, Housing, and Urban Affairs · SenateReferred to

Subjects

Bank accounts, deposits, capital
Banking and financial institutions regulation

Senate · 100 House · 433

Model

v3defaultv2

Directional: count only breaks toward the other party Why do scores change?

How the House breaks down

51Swing 70–100
257Middle 30–70
119Entrenched 0–30
6Insufficient data not ranked

Members fall into . 6 representatives don’t have enough data yet and are marked “insufficient data”. Non-voting delegates are not counted. The bill is not before the House right now; these scores show where members would stand.

Key players in the House

Ranked by swing score, 0–100 · swing-v3

Bars show each input from 0 to 100: ideology gap, scorecard gap, , and the . is the seat’s partisan lean, and shows how much of the input data a score has. Where the House has voted, each member’s appears with the projection made before it.

Similar past votes, House

Earlier behind swing-v3’s input

Similar votes count toward swing-v3 in the House: total similarity weight 21.5 (needs 5.0).

H.R. 3383 · Dec 11, 2025 · Roll call 327On PassageIncreasing Investor Opportunities Act
PassedShared subjects×1.0
H.R. 3383 · Dec 11, 2025 · Roll call 326On Agreeing to the Amendment
FailedShared subjects×1.0
H.R. 3383 · Dec 11, 2025 · Roll call 325On Agreeing to the Amendment
FailedShared subjects×1.0
H.R. 3383 · Dec 11, 2025 · Roll call 324On Agreeing to the Amendment
FailedShared subjects×1.0
S.J.Res. 18 · Apr 9, 2025 · Roll call 95On PassageDisapproving the rule submitted by the Bureau of Consumer Financial Protection relating to “Overdraft Lending: Very Large Financial Institutions”
PassedShared subjects×1.0
H.R. 6955 · Jul 21, 2026 · Roll call 631On PassageMain Street Act
PassedSame policy area×0.5
H.R. 1181 · Jul 14, 2026 · Roll call 600On PassageProtecting Privacy in Purchases Act
PassedSame policy area×0.5
H.R. 3357 · Jul 23, 2025 · Roll call 216On Motion to Suspend the Rules and Pass, as AmendedEnhancing Multi-Class Share Disclosures Act
PassedSame policy area×0.5

Show 17 more

H.R. 1919 · Jul 17, 2025 · Roll call 200On PassageAnti-CBDC Surveillance State Act
PassedSame policy area×0.5
S. 1582 · Jul 17, 2025 · Roll call 199On PassageGENIUS Act
PassedSame policy area×0.5
H.R. 3633 · Jul 17, 2025 · Roll call 198On PassageCLARITY Act
PassedSame policy area×0.5
S.J.Res. 13 · May 20, 2025 · Roll call 136On PassageProviding for congressional disapproval of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act

Cosponsors

11 active

Show all 11 cosponsors

Daniel Meuser (R-PA-9)
Gwen Moore (D-WI-4)
Joyce Beatty (D-OH-3)
Andy Barr (R-KY-6)
Mike Flood (R-NE-1)
Roger Williams (R-TX-25)
Mike Ezell (R-MS-4)
Pete Sessions (R-TX-17)
Jack Bergman (R-MI-1)
Jared F. Golden (D-ME-2)
Mike D. Rogers (R-AL-3)

How the swing score works

Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.

Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.

Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.

Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.

Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.

Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.

All voting members	405	0	0%

1
Michael LawlerRepublican · New York 17th · Lean D+1House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 11% of 37 similar votes
96Swing
Vote on passage, May 20, 2026:YeaProjected: 96 Swing
ContactCall 202-225-6506 Website
2
Josh GottheimerDemocrat · New Jersey 5th · Lean D+2House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 24% of 36 similar votes
Today95Swing
Vote on passage, May 20, 2026:YeaProjected at the vote: Swing
3
Marie Gluesenkamp PerezDemocrat · Washington 3rd · Lean R+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 34% of 38 similar votes
93Swing
Vote on passage, May 20, 2026:YeaProjected: 93 Swing
ContactCall
4
Brian K. FitzpatrickRepublican · Pennsylvania 1st · Lean D+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 16% of 38 similar votes
91Swing
Vote on passage, May 20, 2026:YeaProjected: 91 Swing
ContactCall
5
Henry CuellarDemocrat · Texas 28th · Lean R+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 37% of 38 similar votes
90Swing
Vote on passage, May 20, 2026:YeaProjected: 90 Swing
ContactCall
6
Laura GillenDemocrat · New York 4th · Lean D+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 25% of 9 similar votes
87Swing
Vote on passage, May 20, 2026:YeaProjected: 87 Swing
ContactCall
7
Thomas R. SuozziDemocrat · New York 3rd · Lean EVENOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 25% of 33 similar votes
87Swing
Vote on passage, May 20, 2026:YeaProjected: 87 Swing
ContactCall
8
Donald G. DavisDemocrat · North Carolina 1st · Lean R+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 34% of 38 similar votes
87Swing
Vote on passage, May 20, 2026:YeaProjected: 87 Swing
ContactCall
9
Adam GrayDemocrat · California 13th · Lean R+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 34% of 13 similar votes
Today86Swing
Vote on passage, May 20, 2026:YeaProjected at the vote: 88 Swing (today: 86)
Contact
10
Susie LeeDemocrat · Nevada 3rd · Lean D+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 22% of 36 similar votes
Today86Swing
Vote on passage, May 20, 2026:YeaProjected at the vote: 83 Swing (today: 86)
Contact