Community Bank Deposit Access Act of 2025

# Community Bank Deposit Access Act of 2025 – Summary **What the bill does:** This bill would change how certain types of customer deposits are regulated at smaller community banks. Specifically, it would allow banks with less than $10 billion in assets to accept "custodial deposits" (money held by a third party on behalf of clients) without facing the stricter rules currently applied to "brokered deposits." The main condition is that these custodial deposits cannot exceed 20% of the bank's total liabilities, and the bank must meet certain financial health standards set by federal regulators. **Who it affects:** The bill primarily benefits community banks and credit unions—smaller financial institutions that want more flexibility in accepting customer deposits. It could also benefit investors and savers who use third-party deposit services to manage their money across multiple banks.

Banks would still need to maintain good financial standing to qualify for this relief. **Current status:** The bill was introduced in the House by Rep. J. French Hill (R-AR) and is currently in committee, meaning it has not yet been debated or voted on by the full House of Representatives.