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H.R. 9055 · HOUSE4d
To amend title 38, United States Code, to increase burial and funeral expenses paid by the Secretary of Veterans Affairs in the case of death from a service-connected disability, and for other purposes.
Referred to the House Committee on Veterans' Affairs.
H.R. 9065 · HOUSE4d
To provide research on, and services for, individuals with clinical mental health complications following a pregnancy loss, and for other purposes.
Referred to the House Committee on Energy and Commerce.
H.Res. 1329 · HOUSE4d
Expressing support for the designation of May 2026 as "Mental Health Awareness Month".
Referred to the House Committee on Energy and Commerce.
H.R. 9064 · HOUSE4d
To amend the Internal Revenue Code of 1986 to temporarily increase the capital gains exclusion for any qualifying senior who sells a principal residence during a qualifying year, and for other purposes.
Referred to the House Committee on Ways and Means.
H.R. 9078 · HOUSE4d
To amend the Omnibus Crime Control and Safe Streets Act to include reporting requirements of felony convictions related to animal cruelty, and for other purposes.
Referred to the House Committee on the Judiciary.
H.R. 9080 · HOUSE4d
To establish a contracting preference for public buildings that use innovative wood products in the construction of those buildings, and for other purposes.
Referred to the Committee on Transportation and Infrastructure, and in addition to the Committee on Armed Services, for a period to be…
H.R. 9082 · HOUSE4d
To prohibit the use of prediction markets by Department of Defense personnel, and for other purposes.
Referred to the House Committee on Armed Services.
H.Con.Res. 107 · HOUSE4d
Recognizing the importance of saving lives, reducing gun violence, and strengthening public safety as the United States celebrates its 250th anniversary.
Referred to the House Committee on the Judiciary.
H.Res. 1330 · HOUSE4d
Recognizing the 120th anniversary of the immigration of Filipinos to Hawai'i.
Referred to the House Committee on Oversight and Government Reform.
H.R. 9048 · HOUSE4d
To amend the Federal Food, Drug, and Cosmetic Act to include gluten-containing grain in the definition of a major food allergen.
Referred to the House Committee on Energy and Commerce.
H.R. 9066 · HOUSE4d
To authorize the Attorney General to establish a hate crime prevention grant, and for other purposes.
Referred to the House Committee on the Judiciary.
H.R. 9070 · HOUSE4d
To improve immigration enforcement transparency, preserve civil rights, and improve the accountability of immigration enforcement personnel, and for other purposes.
Referred to the Committee on the Judiciary, and in addition to the Committee on Homeland Security, for a period to be subsequently…
H.R. 9072 · HOUSE4d
To amend the United States Housing Act of 1937 to alter the eligibility requirements for eligible youths to receive tenant-based rental assistance, and for other purposes.
Referred to the House Committee on Financial Services.
H.R. 9075 · HOUSE4d
Tax the Grift Act
Referred to the House Committee on Ways and Means.
H.R. 9053 · HOUSE4d
To ensure the reliable delivery of water to the United States under the 1944 Water Treaty, to provide a mechanism to compensate United States agricultural producers for economic losses resulting from delivery shortfalls, and for other purposes.
Referred to the Committee on Foreign Affairs, and in addition to the Committees on Ways and Means, and Agriculture, for a period to be…
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119th Congress · H.R. 4544 · Passed Origin

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.

Full bill text →

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SubjectsBanking and financial institutions regulationFinancial services and investmentsIntergovernmental relationsLicensing and registrationsState and local government operations

XML scalars

congress
119
type
HR
number
4544
originChamber
House
originChamberCode
H
introducedDate
2025-07-17
updateDate
2026-05-23T06:38:25Z
updateDateIncludingText
2026-05-23T06:48:26Z
title
American Access to Banking Act
legislationUrl
https://www.congress.gov/bill/119th-congress/house-bill/4544

Constitutional authority statement (CDATA)

[Congressional Record Volume 171, Number 123 (Thursday, July 17, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Ms. WATERS:H.R. 4544.Congress has the power to enact this legislation pursuantto the following:Clause 3 of Section 8 of Article I of the Constitution,which provides Congress with the power to ``regulate commercewith foreign nations, and among the several states, and withthe Indian tribes.''[Page H3477]

Pipeline

Track
federal_presidential
Stage
Passed Chamber of Origin
Stage rank
2

Sponsor

  • Rep. Waters, Maxine [D-CA-43] · [D-CA-43] · W000187
    Dem-CA-43 current · 18 terms · @RepMaxineWaters · 1 district office

Sponsor record (congress_legislators)

Bio (legislators)

bioguide
W000187
status
current
official_full
Maxine Waters
first
Maxine
middle
null
last
Waters
suffix
null
nickname
null
birthday
1938-08-15
gender
F

Current term (18 total)

type
rep
state
CA
district
43
class
null
party
Democrat
caucus
null
start
2025-01-03
end
2027-01-03
end_type
null
how
null
url
https://waters.house.gov
address
2221 Rayburn House Office Building Washington DC 20515-0543
office
2221 Rayburn House Office Building
phone
202-225-2201
fax
null
contact_form
null
rss_url
http://waters.house.gov/news/rss.aspx

Leadership roles (0)

none

Committee memberships (1)

  • House Committee on Financial Services (house) · house · Ranking Member · rank 1 · site

Social media

District offices (1)

  • 13605 Hawthorne Blvd., Hawthorne, CA, 90250 · 323-757-8900 · fax 771-200-5716 · 33.908544,-118.3532031

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id
H4CA23011
cycle
2026
name
WATERS, MAXINE MS
party
DEMOCRATIC PARTY
office
House
state
CA
district
43
incumbent_challenge
Incumbent
candidate_status
C
active_through
2026
election_year
null
first_file_date
1983-05-23
last_file_date
2024-11-26
last_f2_date
2024-11-26
address
null

Candidate summary (candidate_summaries) · cycle 2026

cycle
2026
total_receipts
$733,764.32
total_disbursements
$527,178.26
cash_on_hand_end_period
$323,042.54
debts_owed_by_committee
$104,096.34
coverage_start_date
2025-01-01
coverage_end_date
2026-05-13

Connected committees (0)

none

Cosponsors (0)

none

Committees (2)

  • Banking, Housing, and Urban Affairs Committee [Senate Standing]
    2026-05-21T17:39:55ZReferred To
  • Financial Services Committee [House Standing]
    2025-09-08T17:48:42ZReported By
    2025-07-23T17:01:21ZMarkup By
    2025-07-22T17:01:09ZMarkup By
    2025-07-17T13:01:35ZReferred To

Actions — from XML (18)

  • 2026-05-21IntroReferralvia Senate
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  • 2026-05-20 13:13:01FloorH38310via House floor actions
    Motion to reconsider laid on the table Agreed to without objection.
  • 2026-05-20 13:12:59FloorH37300via House floor actions
    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).
    VoteHouse roll 178 — source
  • 2026-05-20 13:12:59Floor8000via Library of Congress
    Passed/agreed to in House: 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).
    VoteHouse roll 178 — source
  • 2026-05-20 13:08:53FloorH30000via House floor actions
    Considered as unfinished business. (consideration: CR H3645)
  • 2026-05-19 17:28:49FloorH37220via House floor actions
    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.
  • 2026-05-19 17:18:17FloorH8D000via House floor actions
    DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
  • 2026-05-19 17:18:16FloorH30000via House floor actions
    Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
  • 2026-05-19 17:18:06FloorH30300via House floor actions
    Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  • 2025-09-08CalendarsH12410via House floor actions
    Placed on the Union Calendar, Calendar No. 210.
  • 2025-09-08CommitteeH12200via House floor actions
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
  • 2025-09-08Committee5000via Library of Congress
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
  • 2025-07-23Committeevia House committee actions
    Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
  • 2025-07-23Committeevia House committee actions
    Committee Consideration and Mark-up Session Held
  • 2025-07-22Committeevia House committee actions
    Committee Consideration and Mark-up Session Held
  • 2025-07-17IntroReferralH11100via House floor actions
    Referred to the House Committee on Financial Services.
  • 2025-07-17IntroReferralIntro-Hvia Library of Congress
    Introduced in House
  • 2025-07-17IntroReferral1000via Library of Congress
    Introduced in House

Actions — from bill_actions table (0)

none

Titles

  • Short Titles from RFS (Referred to Senate) bill textRFSS2026-05-23T06:38:25Z
    American Access to Banking Act
  • Short Title(s) as Passed HouseEHH2026-05-22T04:08:30Z
    American Access to Banking Act
  • Official Titles from EH (Engrossed in House) bill textEHH2026-05-22T04:08:30Z
    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.
  • Short Title(s) as Reported to HouseRHH2025-09-09T07:08:25Z
    American Access to Banking Act
  • Short Title(s) as IntroducedIH2025-07-19T07:08:21Z
    American Access to Banking Act
  • Display Title2025-07-19T07:08:21Z
    American Access to Banking Act
  • Official Title as IntroducedIH2025-07-19T07:03:32Z
    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.

Text versions (from XML)

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

00 · 2025-07-17 · Introduced in House

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.

Related bills

none

Amendments (0)

none

Laws

none

Committee reports

  • H. Rept. 119-253

Calendar number

null

CBO cost estimates

Latest action

Date
2026-05-21
Text
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Time
null

Dublin Core

format
text/xml
language
EN
rights
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
contributor
Congressional Research Service, Library of Congress
description
This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.

Row fields (debug)

id
5129
congress
119
bill_type
hr
bill_number
4544
bill_slug
hr-4544-119
title
American Access to Banking Act
short_title
American Access to Banking Act
sponsor_bioguide_id
W000187
sponsor_name
Rep. Waters, Maxine [D-CA-43]
sponsor_party
D
sponsor_state
CA
introduced_date
2025-07-17
latest_action_date
2026-05-21
latest_action_text
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
status
Committee
policy_area
Finance and Financial Sector
subjects_json
[
  "Banking and financial institutions regulation",
  "Financial services and investments",
  "Intergovernmental relations",
  "Licensing and registrations",
  "State and local government operations"
]
govinfo_billstatus_path
BILLSTATUS-119hr4544
raw_billstatus_xml
<?xml version="1.0" encoding="utf-8" standalone="no"?> <billStatus> <version>3.0.0</version> <bill> <number>4544</number> <updateDate>2026-05-23T06:38:25Z</updateDate> <updateDateIncludingText>2026-05-23T06:48:26Z</updateDateIncludingText> <originChamber>House</originChamber> <originChamberCode>H</originChamberCode> <type>HR</type> <introducedDate>2025-07-17</int…
summary_lede
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 fin…
topic_primary
finance
topic_secondary_json
[]
action_family
committee_active
response_available
0
response_type
null
response_deadline
null
importance_score
null
consequence_score
null
urgency_score
null
overall_score
null
in_canopy
1
canopy_expires_at
2026-08-19
pipeline_track
federal_presidential
pipeline_stage
passed_origin
pipeline_stage_rank
2
stable_action_id
hr-4544-119
jurisdiction
federal
lock_status
open
lock_at
null
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cd0b020479f253661e09a7f44c7221238bbe4155b553a972f7a5c66b018229eb
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api_fill
first_seen_at
2026-04-20T08:15:57.988066+00:00
last_seen_at
2026-05-30T11:30:34.368472+00:00
⎔ Anchored0x0000…0000Epoch 2026-Q2