IB 
Union Calendar No. 321 
119TH CONGRESS 
1ST SESSION H. R. 5317 
[Report No. 119–369] 
To amend the Federal Deposit Insurance Act to ensure that certain custodial 
deposits of well capitalized insured depository institutions are not consid-
ered to be funds obtained by or through deposit brokers, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 11, 2025 
Mr. HILL of Arkansas introduced the following bill; which was referred to the 
Committee on Financial Services 
NOVEMBER 4, 2025 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
[For text of introduced bill, see copy of bill as introduced on September 11, 2025] 
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A BILL 
To amend the Federal Deposit Insurance Act to ensure that 
certain custodial deposits of well capitalized insured de-
pository institutions are not considered to be funds ob-
tained by or through deposit brokers, and for other pur-
poses. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Community Bank De-
posit Access Act of 2025’’. 
SEC. 2. LIMITED EXCEPTION FOR CUSTODIAL DEPOSITS. 
(a) IN GENERAL.—Section 29 of the Federal Deposit 
Insurance Act (12 U.S.C. 1831f) is amended by adding at 
the end the following: 
‘‘(j) LIMITED EXCEPTION
FOR CUSTODIAL DEPOS-
ITS.— 
‘‘(1) IN GENERAL.—Custodial deposits of an eli-
gible institution shall not be considered to be funds 
obtained, directly or indirectly, by or through a de-
posit broker to the extent that the total amount of 
such custodial deposits does not exceed an amount 
equal to 20 percent of the total liabilities of the eligi-
ble institution. 
‘‘(2) DEFINITIONS.—In this subsection: 
‘‘(A) CUSTODIAL DEPOSIT.—The term ‘cus-
todial deposit’ means a deposit that is not depos-
ited at an insured depository institution in re-
turn for fees paid by the insured depository in-
stitution pursuant to an agreement with a third 
party and that would otherwise be considered to 
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be obtained, directly or indirectly, by or through 
a deposit broker, if the deposit is deposited at 1 
or more insured depository institutions, for the 
purpose of providing or maintaining deposit in-
surance for the benefit of a third party, by or 
through any of the following, each acting in a 
formal custodial or fiduciary capacity for the 
benefit of a third party: 
‘‘(i) An insured depository institution 
serving as agent, trustee, or custodian. 
‘‘(ii) A trust entity controlled by an 
insured depository institution serving as 
agent, trustee, or custodian. 
‘‘(iii) A State-chartered trust company 
serving as agent, trustee, or custodian. 
‘‘(iv) A plan administrator or invest-
ment advisor, acting in a formal custodial 
or fiduciary capacity for the benefit of a 
plan. 
‘‘(B) ELIGIBLE INSTITUTION.—The term ‘el-
igible institution’ means an insured depository 
institution that accepts custodial deposits, if the 
insured depository institution has less than 
$10,000,000,000 in total assets as reported on the 
consolidated report of condition and income as 
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