H.R. 4544 · 119th Congress · 2025–2026
American Access to Banking Act
H.R. 4544 in the 119th Congress (2025–2026) has passed the house — introduced on Jul 17, 2025, sponsored by Maxine Waters. Congress held 1 roll call vote on it.
During the 119th Congress (2025–2026), Donald Trump was president, and Republicans held majorities in both the House and Senate.
- Status
- Passed the House
- Introduced
- Jul 17, 2025
- Co-sponsors
- 0
- Policy area
- Finance and Financial Sector
- Groups that lobbied
- 2
What it does
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.
Summary by the nonpartisan Congressional Research Service.
Sponsor
Where it stands
- IntroducedJul 17, 2025
- Passed the HouseMay 20, 2026
- Passed the Senate—
- Sent to the President—
- Became law—
Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (May 21, 2026)
How Congress voted
- On Motion to Suspend the Rules and Pass, as Amended
House · May 20, 2026 · Passed405–4
Every roll call vote on this bill
- American Access to Banking ActHouse · May 20, 2026
More bills from Maxine Waters in the 119th Congress
- H.J.Res. 170: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
- H.J.Res. 179: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
- H.R. 3422: Promoting Opportunities for Non-Traditional Capital Formation Act
- H.R. 8030: DPA Transparency Act of 2026
- H.R. 8777: GUIDANCE Act of 2026
- H.R. 10325: To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing…
- H.R. 10640: Urban Health Transformation Act of 2026
Other Finance and Financial Sector bills in the 119th Congress
- S.J.Res. 18: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection…
- S.J.Res. 28: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection…
- S.J.Res. 13: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- S. 1582: Guiding and Establishing National Innovation for U.S. Stablecoins Act
- H.R. 2808: Homebuyers Privacy Protection Act
- S. 3424: Bankruptcy Administration Improvement Act of 2025
- S. 100: Repealing Big Brother Overreach Act
- S.J.Res. 141: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- H.J.Res. 160: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
- H.J.Res. 161: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
Who lobbied on it
2 organizations named this bill in lobbying reports (Jul 2025 – Sep 2026). Biggest spenders among them:
Committees
- Banking, Housing, and Urban Affairs Committee
- Financial Services Committee
More
From GovInfo bill records, Congressional Research Service summaries, Voteview roll calls and lobbying reports.
Cite or embed this page
Capitol Receipts, “H.R. 4544 (119th Congress): American Access to Banking Act,” https://www.capitolreceipts.com/bill/119-hr-4544/american-access-to-banking-act (accessed 2026-10-15).