American Access to Banking Act
Latest action · May 21, 2026 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Progress
Where this bill reached, and when. A stage with no date was not reached; one that failed a vote and later carried shows the date it carried.
- IntroducedJul 17, 2025
- Passed HouseMay 20, 2026
- Passed SenateNot reached
- To the PresidentNot reached
- Became lawNot reached
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.
Recorded votes 1
Newest first. Open one to see how every member voted.
| Roll call | Question | Result | Date |
|---|---|---|---|
| House 178 | On Motion to Suspend the Rules and Pass, as Amended | Passed405–4 | May 20, 2026 |
Cosponsors
Members who signed on, in the order they did.
Committees 2
Where it was sent and what each committee and subcommittee did with it, in order.
| Chamber | Committee | What it did |
|---|---|---|
| House | Financial Services Committee | Referred Jul 17, 2025Markup Jul 22, 2025Markup Jul 23, 2025Reported Sep 8, 2025 |
| Senate | Banking, Housing, and Urban Affairs Committee | Referred May 21, 2026 |
Actions 15
Everything that happened, newest first.
- May 21, 2026Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- May 20, 2026Considered as unfinished business. (consideration: CR H3645)
- 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).
- May 20, 2026Motion to reconsider laid on the table Agreed to without objection.
- May 19, 2026Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
- May 19, 2026Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
- May 19, 2026DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
- 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.
- Sep 8, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
- Sep 8, 2025Placed on the Union Calendar, Calendar No. 210.
- Jul 23, 2025Committee Consideration and Mark-up Session Held
- Jul 23, 2025Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
- Jul 22, 2025Committee Consideration and Mark-up Session Held
- Jul 17, 2025Introduced in House
- Jul 17, 2025Referred to the House Committee on Financial Services.
In the Congressional Record 2
Days the Record’s own index lists this bill, newest first, with the pages and the members it names. Pages starting H are the House, S the Senate, E Extensions of Remarks.
| Where | In the Record | Members | Date |
|---|---|---|---|
| House | Recorded votes H3645enact | — | May 20, 2026 |
| House | Debate and remarks H3584–H3586Text printed H3584Cost estimates H3585 | J. French Hill R-AR, Maxine Waters D-CA | May 19, 2026 |
Research
What has been written about this bill: committee reports, cost estimates, the sponsor’s authority statement, printed hearings and the Congressional Research Service’s work.
Committee report
Congressional Budget Office cost estimate
- Feb 6, 2026H.R. 4544, American Access to Banking ActAs reported by the House Committee on Financial Services on September 8, 2025
Constitutional authority
The sponsor’s statement, as printed in the Congressional Record, vol. 171, no. 123, July 17, 2025, page H3477.
CRS reports 1
Congressional Research Service work that CRS links to this bill or the law it became, newest first.
Cite it 1
Products on other subjects that cite it, usually among other measures.
| Product | Title | Kind | Published |
|---|---|---|---|
| R48849 | Housing for the 21st Century Act | Report | Oct 20, 2026 |
Related bills 1
Companion bills and other measures the record links to this one.
| Bill | Title | Relationship | Latest action |
|---|---|---|---|
| HR 6644 | 21st Century ROAD to Housing Act | Related bill | Jul 11, 2026 |
Titles 6
Every title it has carried, official and short, at each stage.
- Official Title as Introduced
- To direct certain Federal banking and credit union agencies to promote the formation of de novo regulated institutions through the review of application processes, the review of capital raising by de novo regulated institutions, and the establishment of various outreach programs, and for other purposes.
- Short Title(s) as Introduced
- American Access to Banking Act
- Short Title(s) as Reported to House
- American Access to Banking Act
- Short Title(s) as Passed House
- American Access to Banking Act
- Short Titles from RFS (Referred to Senate) bill text
- American Access to Banking Act
- Official Title from EH (Engrossed in House) bill text
- To direct certain Federal banking and credit union agencies to promote the formation of de novo regulated institutions through the review of application processes, the review of capital raising by de novo regulated institutions, and the establishment of various outreach programs, and for other purposes.
Subjects
Assigned by the Library of Congress. Policy area: Finance and Financial Sector.
Text 4
Each version as it was printed, newest first.
- May 21, 2026Referred in Senate
- May 20, 2026Engrossed in House
- Sep 8, 2025Reported in House
- Jul 17, 2025Introduced in House
Everything here is as published by Congress: the summary is the Congressional Research Service's, the action wording is the clerks', and the subjects are the Library of Congress's. How far it got is read from the actions themselves, taking the most recent one of each kind, so a bill that failed a vote and later passed is shown as having passed. Records come from this bill on Congress.gov and govinfo.gov; cost estimates are the Congressional Budget Office's, and the hearings are the printed hearings GovInfo publishes, which can appear months after the hearing.
