American Access to Banking Act
Introduced
Moved
Reached a final decision
Introduced 2025-07-17
Derived from the official record below.
Officially: “American Access to Banking Act” Read the full text
Finance and Financial Sector
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. 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
Summary by the Congressional Research Service, from the official record. Plain-language AI rewrite coming. Not legal advice.
Where it is
Introduced · 2025-07-17
In the House.
Passed the House · 2026-05-20
Senate floor vote · next
Official documents
Full bill textread it on this site, version rfs (Referred in Senate), as published by GovInfo
officialCongressional Budget Office cost estimatewhat it would cost, by the nonpartisan CBO
officialThe on-site text is shown verbatim from the GovInfo publication, captured 2026-07-23. The same version at GovInfo.
The numbers
29%
of bills that passed one chamber became law in the 118th Congress, 2023 to 2024 (n=939)
1
sponsor, out of 218 needed to pass
Who is lobbying on this
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSvia CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS
4 filingsAMERICAN BANKERS ASSOCIATIONvia AMERICAN BANKERS ASSOCIATION
3 filingsCENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELPvia CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2 filingsINDEPENDENT COMMUNITY BANKERS OF AMERICAvia INDEPENDENT COMMUNITY BANKERS OF AMERICA
1 filingFrom 10 filings in federal lobbying disclosures (LDA), via lda.gov, naming this bill (2025 to 2026). Filings are self-reported by lobbying firms and show who is paid to influence this bill. They do not say which side, or whether it worked.
Every fact on this page links to its source, starting with the official bill record. Last action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (2026-05-21).