H.R. 4544 Passed the House Finance and Financial Sector

American Access to Banking Act

To direct certain Federal banking and credit union agencies to promote the formation of de novo regulated institutions through the review of application processes, the review of capital raising by de novo regulated institutions, and the establishment of various outreach programs, and for other purposes.

  1. Introduced
  2. Committee
  3. Passed House
  4. Passed Senate
  5. To President
  6. Became law
Sponsor Rep. Waters, Maxine [D-CA-43] Introduced July 17, 2025 Cosponsors 0 Latest action May 21, 2026

Summary

American Access to Banking Act
This bill requires federal financial regulators to review and streamline the application process for the formation of de novo, or new, depository institutions or credit unions.
Regulators must (1) review the application process; (2) to the extent practicable, collect necessary information from other agencies in order to minimize requests for applicant information; and (3) review how de novo financial intuitions raise capital while maintaining investor protections, including the impact of restrictions on raising capital.
At the request of an applicant, regulators must (1) designate an employee as a caseworker to assist in the application process, and (2) provide a list of similar institutions interested in serving as a mentor.
Each regulator must also develop a state and stakeholder engagement plan to assist interested parties with understanding the relevant regulatory processes.

Summary by the Congressional Research Service, Library of Congress.

Congress.gov

Roll-call votes

Actions

  1. May 21, 2026 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. May 20, 2026 Motion to reconsider laid on the table Agreed to without objection.
  3. May 20, 2026 On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 405 - 4 (Roll no. 178).
  4. May 20, 2026 Considered as unfinished business. (consideration: CR H3645)
  5. May 19, 2026 At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
  6. May 19, 2026 DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
  7. May 19, 2026 Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
  8. May 19, 2026 Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  9. Sep 8, 2025 Placed on the Union Calendar, Calendar No. 210.
  10. Sep 8, 2025 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
  11. Jul 23, 2025 Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
  12. Jul 23, 2025 Committee Consideration and Mark-up Session Held

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