To amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker, and for other purposes.

Cost and committee reports

Official records Congress.gov attaches to H.R. 4116.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Ms. MOORE, as printed in the Congressional Record (Vol. 161, No. 171, November 19, 2015, Pages H8413-H8414):
  Art. I, Sect. 8, Clause 3 ``to regulate commerce''
  Source: Congress.gov, Congressional Record November 19, 2015 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  50 characters

  Congress.gov bill record

  H.R. 4116, 114th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/114/hr/4116

  Record last updated by Congress.gov

  January 3, 2025

  PORKER copy retrieved

  September 22, 2026

  Stored copy, SHA-256 of the file

  32b5472ffcc6cccb8eac91dbc628b0314e1dd93ea6b7ebe63b50b5e641d10e8b

  PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.

Congress.gov’s record for this bill does not list a CBO cost estimate or a committee report (as of January 3, 2025). Not every bill gets one.

From the Congress.gov bill record for H.R. 4116, last updated January 3, 2025. PORKER’s copy was retrieved September 22, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.