119th Congress
H.R. 4544
American Access to Banking Act
- Introduced
- In committee
- Passed House
- Passed Senate
- To President
- Became law
- Sponsor
- Maxine Waters(D-CA)
- Introduced
- Jul 17, 2025
- Policy area
- Finance and Financial Sector
- Committees
- House Committee on Financial Services; Senate Committee on Banking, Housing, and Urban Affairs
- Official text
- Referred in Senate · Congress.gov page
Cosponsors (0)
No cosponsors.
Summary
Summary by the Congressional Research Service· describes the “Introduced in House” version
American Access to Banking Act
This bill requires federal financial regulators to review and streamline the application process for the formation of de novo, or new, depository institutions or credit unions.
Regulators must (1) review the application process; (2) to the extent practicable, collect necessary information from other agencies in order to minimize requests for applicant information; and (3) review how de novo financial intuitions raise capital while maintaining investor protections, including the impact of restrictions on raising capital.
At the request of an applicant, regulators must (1) designate an employee as a caseworker to assist in the application process, and (2) provide a list of similar institutions interested in serving as a mentor.
Each regulator must also develop a state and stakeholder engagement plan to assist interested parties with understanding the relevant regulatory processes.
Roll-call votes
| Date | Vote | Result | Your members |
|---|---|---|---|
| May 20, 2026 House #178 | On Motion to Suspend the Rules and Pass, as Amended: American Access to Banking Act | Passed | Set your home to see |
Actions
- May 21, 2026 · Senate
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. - May 20, 2026 · House
Motion to reconsider laid on the table Agreed to without objection. - May 20, 2026 · House
On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 405 - 4 (Roll no. 178). - May 20, 2026 · House
Considered as unfinished business. (consideration: CR H3645) - May 19, 2026 · House
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed. - May 19, 2026 · House
DEBATE - The House proceeded with forty minutes of debate on H.R. 4544. - May 19, 2026 · House
Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585) - May 19, 2026 · House
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended. - Sep 8, 2025 · House
Placed on the Union Calendar, Calendar No. 210. - Sep 8, 2025 · House
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253. - Jul 23, 2025
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0. - Jul 23, 2025
Committee Consideration and Mark-up Session Held - Jul 22, 2025
Committee Consideration and Mark-up Session Held - Jul 17, 2025 · House
Referred to the House Committee on Financial Services. - Jul 17, 2025
Introduced in House