1HOUSE · MAY 20, 2026
Passed the House
405–4PASSED
R 199–4 D 205–0 I 1–0
On Motion to Suspend the Rules and Pass, as Amended · roll 178 · 21 not voting
House bill · 119th Congress · Latest step: Passed House
American Access to Banking Act
Official title: 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.
Sponsor: Rep. Maxine Waters D-CAWhere it went
- IntroducedJul 17, 2025
- Committee actionJul 22, 2025
- Passed HouseMay 20, 2026 · 405–4
- 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. 4544.
- CBO cost estimateThe Congressional Budget Office published “H.R. 4544, American Access to Banking Act” on February 6, 2026. CBO’s description reads “As reported by the House Committee on Financial Services on September 8, 2025”.Read the CBO estimate ↗Source: Congressional Budget Office, February 6, 2026 ↗
Evidence
- Field in the Congress.gov record
- cboCostEstimates
- CBO publication
- https://www.cbo.gov/publication/62093
- CBO publication date
- February 6, 2026
- Congress.gov bill record
- H.R. 4544, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/4544
- Record last updated by Congress.gov
- October 2, 2026
- PORKER copy retrieved
- October 3, 2026
- Stored copy, SHA-256 of the file
385ca2ea53813ebcefe7e030d5d57c80219ad90927093a24cdabd1c2cd9c0870
PORKER links to the estimate and does not repeat its dollar figures. Each estimate is for the version of the bill its description names; the bill may have changed since.
- Committee reportCongress.gov lists 1 committee report for this bill: H. Rept. 119-253 ↗. The Congress.gov committee record lists a “Reported By” entry for the Financial Services Committee on September 8, 2025.Source: Congress.gov, reported September 8, 2025 ↗
Evidence
- Field in the Congress.gov record
- committeeReports
- Report API records
- https://api.congress.gov/v3/committee-report/119/HRPT/253
- Congress.gov bill record
- H.R. 4544, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/4544
- Record last updated by Congress.gov
- October 2, 2026
- PORKER copy retrieved
- October 3, 2026
- Stored copy, SHA-256 of the file
385ca2ea53813ebcefe7e030d5d57c80219ad90927093a24cdabd1c2cd9c0870
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 Ms. WATERS, as printed in the Congressional Record (Vol. 171, No. 123, July 17, 2025, Page H3477):Clause 3 of Section 8 of Article I of the Constitution, which provides Congress with the power to ``regulate commerce with foreign nations, and among the several states, and with the Indian tribes.''Source: Congress.gov, Congressional Record July 17, 2025 ↗
Evidence
- Field in the Congress.gov record
- constitutionalAuthorityStatementText
- Statement length
- 199 characters
- Congress.gov bill record
- H.R. 4544, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/4544
- Record last updated by Congress.gov
- October 2, 2026
- PORKER copy retrieved
- October 3, 2026
- Stored copy, SHA-256 of the file
385ca2ea53813ebcefe7e030d5d57c80219ad90927093a24cdabd1c2cd9c0870
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 noteThe text of H.R.4544 is contained in the text of H.R.6644, which became Public Law 119-101.Source: Congress.gov, record updated October 2, 2026 ↗
Evidence
- Field in the Congress.gov record
- notes
- Congress.gov bill record
- H.R. 4544, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/4544
- Record last updated by Congress.gov
- October 2, 2026
- PORKER copy retrieved
- October 3, 2026
- Stored copy, SHA-256 of the file
385ca2ea53813ebcefe7e030d5d57c80219ad90927093a24cdabd1c2cd9c0870
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. 4544, last updated October 2, 2026. PORKER’s copy was retrieved October 3, 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. 4544. 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
No cosponsors.
More from the sponsor
Other 119th Congress bills sponsored by Rep. Maxine Waters.
- H.R. 3422 (119th) Promoting Opportunities for Non-Traditional Capital Formation Act
- H.R. 1764 (119th) Aligning SEC Regulations for the World Bank’s International Development Association Act
- H.Res. 259 (119th) Of inquiry requesting the President to provide certain documents in the President's possession to the House of Representatives relating to…
- H.R. 10325 (119th) To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.
- H.Res. 1106 (119th) Honoring the life and legacy of Rev. Jesse Louis Jackson, Sr.
- H.R. 5790 (119th) Head Start Shutdown Protection Act of 2025
Related bills
Relationships as recorded by Congress.gov.
Sponsor’s state and district
Data as of Oct 3, 2026 · bill record checked by PORKER from Congress.gov · votes from Senate.gov and the House Clerk. PORKER is non-partisan.