Community Bank Deposit Access Act of 2025

Sponsored by Rep. J. French Hill (R-AR) · 0 active

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

14 senators score as swing votes

Summary

, via Congress.gov

Summary on Congress.gov

Community Bank Deposit Access Act of 2025

This bill changes the treatment of certain types of deposits so they are no longer classified as brokered deposits. Brokered deposits are funds placed by a broker on behalf of a client in a depository institution to maximize interest rates and for depository insurance purposes. Currently, institutions that accept brokered deposits may be subject to additional oversight.

Read full summary

In particular, under the bill, custodial deposits at insured depository institutions with less than $10 billion in total assets shall not be treated as brokered deposits if the deposits do not exceed 20% of the institution’s liabilities. The institution must be well-capitalized and have a specified minimum soundness rating, or be in possession of a waiver from the Federal Deposit Insurance Corporation.

The bill also generally applies existing interest rate limits applicable to institutions that are not well-capitalized to similar institutions that accept custodial deposits.

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 AmendedPassed393 yea, 16 nayMay 20, 2026 · Roll call 179

How members in each band voted on this House vote, by their projection before the vote
BandBand before the vote	VotedVoted yea or nay	BrokeBroke with party	Share
Swing	64	0	0%
Middle	216	7	3%
Entrenched	126	9	7%

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
Business investment and capital
Interest, dividends, interest rates

Senate · 100 House · 433

Model

v3defaultv2

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

How the House breaks down

71Swing 70–100
215Middle 30–70
141Entrenched 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, directional

: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.

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.

Similar past votes, House

Earlier behind swing-v3’s input

Similar votes count toward swing-v3 in the House: total similarity weight 24.5 (needs 5.0).

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. 2799 · Mar 8, 2024 · Roll call 796On PassageExpanding Access to Capital Act
PassedShared subjects×1.0
H.R. 2799 · Mar 8, 2024 · Roll call 794On Agreeing to the Amendment
FailedShared subjects×1.0
H.R. 2799 · Mar 8, 2024 · Roll call 793On Agreeing to the Amendment
FailedShared subjects×1.0
H.R. 2799 · Mar 8, 2024 · Roll call 792On Agreeing to the Amendment
FailedShared subjects×1.0
H.R. 2799 · Mar 8, 2024 · Roll call 791On Agreeing to the Amendment
FailedShared subjects×1.0
H.R. 2799 · Mar 7, 2024 · Roll call 790On Agreeing to the Amendment
FailedShared subjects×1.0
H.R. 2799 · Mar 7, 2024 · Roll call 789On Agreeing to the Amendment
Agreed toShared subjects×1.0

Show 17 more

H.R. 2799 · Mar 7, 2024 · Roll call 788On Agreeing to the Amendment
Agreed toShared subjects×1.0
H.R. 2799 · Mar 7, 2024 · Roll call 787On Agreeing to the Amendment
Agreed toShared subjects×1.0
H.R. 2799 · Mar 7, 2024 · Roll call 786On Agreeing to the Amendment
Agreed toShared subjects×1.0
H.R. 6955 · Jul 21, 2026 · Roll call 631On PassageMain Street Act
PassedSame policy area×0.5

Cosponsors

0 active

This bill has no cosponsors.

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	409	16	4%

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 8% of 37 similar votes
99Swing
Vote on passage, May 20, 2026:YeaProjected: 99 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 27% of 36 similar votes
95Swing
Vote on passage, May 20, 2026:YeaProjected: 95 Swing
3
Jared F. GoldenDemocrat · Maine 2nd · Lean R+4On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 29% of 38 similar votes
94Swing
Vote on passage, May 20, 2026:YeaProjected: 94 Swing
ContactCall
4
Marie Gluesenkamp PerezDemocrat · Washington 3rd · Lean R+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 39% of 38 similar votes
93Swing
Vote on passage, May 20, 2026:YeaProjected: 93 Swing
ContactCall
5
Brian K. FitzpatrickRepublican · Pennsylvania 1st · Lean D+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 14% of 38 similar votes
92Swing
Vote on passage, May 20, 2026:YeaProjected: 92 Swing
ContactCall
6
Andrew R. GarbarinoRepublican · New York 2nd · Lean R+6House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 6% of 37 similar votes
Today92Swing
Vote on passage, May 20, 2026:YeaProjected at the vote: Swing
7
Henry CuellarDemocrat · Texas 28th · Lean R+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 38% of 38 similar votes
Today91Swing
Vote on passage, May 20, 2026:YeaProjected at the vote: 92 Swing (today: 91)
Contact
8
Zachary NunnRepublican · Iowa 3rd · Lean R+2House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 5% of 35 similar votes
Today91Swing
Vote on passage, May 20, 2026:YeaProjected at the vote: Swing
9
Don BaconRepublican · Nebraska 2nd · Lean D+3On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 7% of 38 similar votes
91Swing
Vote on passage, May 20, 2026:YeaProjected: 91 Swing
ContactCall
10
Thomas H. KeanRepublican · New Jersey 7th · Lean EVENOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 7% of 37 similar votes
Today90Swing
Vote on passage, May 20, 2026:Not votingProjected at the vote: 89 Swing (today: 90)
Contact