Community Bank Deposit Access Act of 2025 amends the Federal Deposit Insurance Act to allow certain custodial deposits to be exempt from being.

The Community Bank Deposit Access Act of 2025 amends the Federal Deposit Insurance Act to ensure that certain custodial deposits of well-capitalized insured depository institutions are not considered to be funds obtained by or through deposit brokers. This exemption applies if the total amount of such custodial deposits does not exceed 20 percent of the total liabilities of the eligible institution. The bill also restricts the interest rate that can be paid on funds obtained through deposit brokers or on custodial deposits that are accepted while the institution is not well capitalized.

Community Bank Deposit Access Act of 2025 amends the Federal Deposit Insurance Act to allow certain custodial deposits to be exempt from being.

The Community Bank Deposit Access Act of 2025 amends the Federal Deposit Insurance Act to ensure that certain custodial deposits of well-capitalized insured depository institutions are not considered to be funds obtained by or through deposit brokers. This exemption applies if the total amount of such custodial deposits does not exceed 20 percent of the total liabilities of the eligible institution. The bill also restricts the interest rate that can be paid on funds obtained through deposit brokers or on custodial deposits that are accepted while the institution is not well capitalized.