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BillsHH.R. 4544

American Access to Banking Act

119th CongressIntroduced July 17, 2025Rep. Waters, Maxine [D-CA-43]· CA-43
Stage
In other chamber
Latest action
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 21, 2026

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

Committees

  • PrimaryBanking, Housing, and Urban Affairs Committee
  • AlsoFinancial Services Committee

CRS subjects

Banking and financial institutions regulationFinancial services and investmentsIntergovernmental relations

Action history

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

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