Officially: Keeping Deposits Local Act
HR3234 demands that banks keep local deposits within community banks. Affects local economies by boosting small business loans.
Use this page to support, oppose, or ask Congress to amend HR3234. Modern Action explains Keeping Deposits Local Act in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can review before sending.
Where it stands
Sitting in Banking
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
The debate
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Latest: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (5/21/2026)
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can review, edit, and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you review it before it sends.
This page is for understanding Keeping Deposits Local Act, choosing whether you support it, oppose it, or want changes. Modern Action drafts the message before it goes to Congress.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR3234, your stance, and the reasons you choose, then leaves the final review and edits to you.
