HOUSE 4544119th CongressReceived in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

American Access to Banking Act

Last Action: 5/21/2026

Actions

2026-05-21Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
2026-05-20Motion to reconsider laid on the table Agreed to without objection.
2026-05-20On 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).
2026-05-20Passed/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).
2026-05-20Considered as unfinished business. (consideration: CR H3645)
2026-05-19At 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.
2026-05-19DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
2026-05-19Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
2026-05-19Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
2025-09-08Placed on the Union Calendar, Calendar No. 210.
2025-09-08Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
2025-09-08Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
2025-07-23Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
2025-07-23Committee Consideration and Mark-up Session Held
2025-07-22Committee Consideration and Mark-up Session Held

Showing 15 of 18 actions. Full history on Congress.gov.

CRS Summary

As of 2025-07-17 (00)

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.

Subjects

Banking and financial institutions regulation
Financial services and investments
Intergovernmental relations
Licensing and registrations
State and local government operations

Read on Congress.gov

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