H.R. 5317
The Community Bank Deposit Access Act of 2025 allows smaller banks (those with less than $10 billion in assets) to accept certain types of deposits, known as custodial deposits, without them being classified as brokered deposits. This means these banks can avoid stricter oversight as long as the custodial deposits are less than 20% of their total liabilities, and they meet specific capital and soundness requirements. The bill also applies existing interest rate limits to these banks if they are not well-capitalized.