HR 4544 · 119th Congress · Finance and Financial Sector

American Access to Banking Act

Introduced 2025-07-17· Sponsored by Rep. Waters, Maxine [D-CA-43]· House

Bill Progress

Introduced
2
Committee
3
House Vote
4
Senate
5
Enacted
Latest: Placed on the Union Calendar, Calendar No. 210.(2025-09-08)

Plain Language Summary

[AI summary unavailable — showing source text] [Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4544 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 4544 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. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES July 17, 2025 Ms. Waters introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL 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. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. S…

Summarized by Claude AI · Non-partisan · For informational purposes only

CBO Cost Estimate

Congressional Budget Office

H.R. 4544, American Access to Banking Act

Feb 6, 2026

As reported by the House Committee on Financial Services on September 8, 2025

Full CBO report ↗

Official non-partisan budget analysis by the Congressional Budget Office