Contact Congress about H.R. 5317: Community Bank Deposit Access Act of 2025

Small banks could hold more qualifying deposits for customers without triggering stricter FDIC brokered-deposit rules. The bill caps that exception at 20% of liabilities and limits high interest rates at weaker banks.

Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

Community Bank Deposit Access Act of 2025 is a Senate bill in committee. The latest recorded action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Latest action on H.R. 5317: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Who this affects: This bill mainly affects community banks, trust companies, and benefit plans that use insured bank deposits to manage customer or plan money. It could also matter to customers whose money is spread across banks to keep Federal Deposit Insurance Corporation coverage. Banks near or below strong capital levels would need to watch their interest rates on these deposits closely.

Why this matters: This bill could change how small banks compete for deposits that are held for customers, plans, or other third parties. It may make it easier for community banks to offer insured deposit services without triggering stricter brokered-deposit rules. At the same time, it tries to stop weaker banks from chasing these deposits by offering unusually high rates. The real effect would depend on how banks use the exception and how the FDIC applies the rate limits.

Key provisions in H.R. 5317

• Qualifying custodial deposits at an eligible bank would not count as brokered deposits up to 20% of the bank’s total liabilities. Brokered deposits are deposits brought in through outside parties and often face stricter FDIC rules.
• Only certain small banks could use the exception. They must have less than $10 billion in assets and either have a recent exam rating of 1, 2, or 3 and be well capitalized, or have an FDIC waiver under current law.
• The bill says who can place a custodial deposit. It includes certain banks, trust companies, state trust companies, plan administrators, and investment advisers acting in a formal role for another person or plan.
• A deposit would not qualify if the receiving bank pays a third party a fee under an agreement for that deposit.
• The deposits can be placed at one or more insured banks. The purpose must be to provide or keep FDIC deposit insurance for a third party.

How Modern Action helps you take action on H.R. 5317

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 5317

What is H.R. 5317?

Small banks could hold more qualifying deposits for customers without triggering stricter FDIC brokered-deposit rules. The bill caps that exception at 20% of liabilities and limits high interest rates at weaker banks.

How do I support or oppose H.R. 5317?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 5317?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

How does Modern Action help me act on H.R. 5317?

Modern Action gives you bill-specific context, lets you choose support, opposition, or changes, and drafts a message from your position and reasons.