American Access to Banking Act

referredUnited States· United States Congress· EN

Introduced

17 July 2025

Last action

21 May 2026 · Introduced

Status

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

Summary

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.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

17 July 2025
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
17 July 2025
Introduced
Introduced in House
Source: IntroReferral
17 July 2025
Introduced
Introduced in House
Source: IntroReferral
22 July 2025
Committee
Committee Consideration and Mark-up Session Held
Source: Committee
23 July 2025
Vote
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
Source: Committee
23 July 2025
Committee
Committee Consideration and Mark-up Session Held
Source: Committee
8 September 2025
Calendars
Placed on the Union Calendar, Calendar No. 210.
Source: Calendars
8 September 2025
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
Source: Committee
8 September 2025
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
Source: Committee
19 May 2026
Vote
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.
Source: Floor
19 May 2026
Floor
DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
Source: Floor
19 May 2026
Floor
Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
Source: Floor
19 May 2026
Floor
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
Source: Floor
20 May 2026
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
20 May 2026
Vote
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).
Source: Floor
20 May 2026
Vote
Passed/agreed to in 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).
Source: Floor
20 May 2026
Floor
Considered as unfinished business. (consideration: CR H3645)
Source: Floor
21 May 2026
Introduced
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Source: IntroReferral

Votes

20 May 2026 · passed · On Motion to Suspend the Rules and Pass, as Amended · Passed · Official source

Yes 405 · No 4 · Abstain — · Absent/not voting 21

Showing the first 4 recorded positions. Vote totals above are complete.

Versions

No version snapshots stored. Document URLs remain at the source.

Documents

5 official files

Referred in Senate

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Referred in Senate
Referred in Senate · EN · 21 May 2026
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Engrossed in House
Engrossed in House · EN · 20 May 2026
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Reported in House
Reported in House · EN · 8 September 2025
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Introduced in House
Introduced in House · EN · 17 July 2025
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Introduced in House
summary · EN · 17 July 2025
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Related records

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Sources

PoliticalRepo is an index and interpretation layer, not the authoritative legal source.

Official source: https://www.congress.gov/bill/119th-congress/house-bill/4544
Open data entity: https://api.congress.gov/v3/bill/119/hr/4544
us · 119-hr-4544 · source updated 17 July 2026