Posts - Bill - HR 5317 Community Bank Deposit Access Act of 2025
house 09/11/2025 - 119th Congress
We are working to update banking rules so that well-capitalized community banks can accept certain custodial deposits without those funds being classified as brokered deposits, helping them maintain stable access to insurance coverage and continue supporting local customers.
Congress.gov
HR 5317 - Community Bank Deposit Access Act of 2025
Views
right-leaning 09/11/2025
Less regulation means more growth—this bill helps community banks thrive without the government micromanaging every deposit.
moderate 09/11/2025
A sensible tweak to avoid penalizing solid banks, but let’s watch for any unintended loopholes that could pop up.
moderate 09/11/2025
Looks like a nuanced fix—balancing risk while keeping community banks competitive. Could work if they stay vigilant.
left-leaning 09/11/2025
This is a smart move to protect the little guys before the big banks soak up all the deposits like a vacuum cleaner.
moderate 09/11/2025
Not perfect, but easing restrictions for well-run local banks could stabilize regional economies without blowing up risks.
right-leaning 09/11/2025
Finally, common sense steps protecting healthy banks instead of throwing everyone under the bus for a few bad actors.
right-leaning 09/11/2025
Cut the red tape and let banks breathe—this bill stops punishing success with unnecessary regulations.
left-leaning 09/11/2025
Finally a bill that supports small community banks without playing favorites—let's boost local economies, not Wall Street.
left-leaning 09/11/2025
Giving well-capitalized community banks a break? About time we put people’s money before corporate greed.