1HOUSE · MAY 20, 2026
Passed the House
405–0PASSED
R 200–0 D 204–0 I 1–0
On Motion to Suspend the Rules and Pass, as Amended · roll 177 · 25 not voting
House bill · 119th Congress · Latest step: Passed House
Keeping Deposits Local Act
Official title: To amend the Federal Deposit Insurance Act to modify the amount of reciprocal deposits of an insured depository institution that are not considered to be funds obtained by or through a deposit broker, and for other purposes.
Sponsor: Rep. Tom Emmer R-MNWhere it went
- IntroducedMay 7, 2025
- Committee actionSep 16, 2025
- Passed HouseMay 20, 2026 · 405–0
- Passed Senate—
- To the President—
- Became law—
Latest action: May 21, 2026 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Cost and committee reports
Official records Congress.gov attaches to H.R. 3234.
- Committee reportCongress.gov lists 1 committee report for this bill: H. Rept. 119-362 ↗. The Congress.gov committee record lists a “Reported By” entry for the Financial Services Committee on November 4, 2025.Source: Congress.gov, reported November 4, 2025 ↗
Evidence
- Field in the Congress.gov record
- committeeReports
- Report API records
- https://api.congress.gov/v3/committee-report/119/HRPT/362
- Congress.gov bill record
- H.R. 3234, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/3234
- Record last updated by Congress.gov
- September 19, 2026
- PORKER copy retrieved
- September 24, 2026
- Stored copy, SHA-256 of the file
67a877f31783cff3c96b6425be77631104d2067005174f5cf88f11f06c66399d
A committee report is the committee’s own explanation of the bill. PORKER lists it and links to it; reading it is up to you.
- Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. EMMER, as printed in the Congressional Record (Vol. 171, No. 76, May 7, 2025, Page H1910):Article 1, Section 8 of the United States ConstitutionSource: Congress.gov, Congressional Record May 7, 2025 ↗
Evidence
- Field in the Congress.gov record
- constitutionalAuthorityStatementText
- Statement length
- 54 characters
- Congress.gov bill record
- H.R. 3234, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/3234
- Record last updated by Congress.gov
- September 19, 2026
- PORKER copy retrieved
- September 24, 2026
- Stored copy, SHA-256 of the file
67a877f31783cff3c96b6425be77631104d2067005174f5cf88f11f06c66399d
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 (as of September 19, 2026). Not every bill gets one.
Sent to: Financial Services Committee, Banking, Housing, and Urban Affairs CommitteeBills with a CBO estimateBills with a committee reportSee it in the Data Web
From the Congress.gov bill record for H.R. 3234, last updated September 19, 2026. PORKER’s copy was retrieved September 24, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.
Vote results
1 recorded roll-call vote on H.R. 3234. The vote that moved the bill is first.
Yea–nay by party (R = Republicans, D = Democrats, I = independents). Counts for present and not-voting members are shown where there were any. Showing all 1 of 1 recorded votes. Sorted by date; within a chamber by roll-call number.
Cosponsors
11 cosponsors — 8 Republicans, 3 Democrats
3 of 11 cosponsors (27%) are from the other party.
Andy Barr (R-KY), Joyce Beatty (D-OH), Jack Bergman (R-MI), Mike Ezell (R-MS), Mike Flood (R-NE), Jared Golden (D-ME), Daniel Meuser (R-PA), Gwen Moore (D-WI), Mike Rogers (R-AL), Pete Sessions (R-TX), Roger Williams (R-TX).
More from the sponsor
Other 119th Congress bills sponsored by Rep. Tom Emmer.
- H.R. 1919 (119th) Anti-CBDC Surveillance State Act
- H.R. 2184 (119th) Firearm Due Process Protection Act of 2025
- H.R. 7030 (119th) Securing Facilities for Mental Health Services Act
- H.R. 4398 (119th) Veteran Burial Timeliness and Death Certificate Accountability Act
- H.R. 7156 (119th) SCAM Act
- H.R. 3533 (119th) Blockchain Regulatory Certainty Act
Related bills
- H.R. 6955 (119th) Main Street Capital Access ActRelated bill
Relationships as recorded by Congress.gov.
Sponsor’s state and district
Data as of Sep 24, 2026 · bill record checked by PORKER from Congress.gov · votes from Senate.gov and the House Clerk. PORKER is non-partisan.