Community Bank Deposit Access Act of 2025

This bill changes rules about how certain bank deposits are classified. Currently, some deposits placed by brokers are called "brokered deposits" and can trigger extra oversight for banks. The bill says that custodial deposits at smaller banks (under $10 billion in assets) won't count as brokered deposits if they make up less than 20% of the bank's total money owed and the bank meets certain financial health requirements. The bill also applies interest rate limits to banks that accept these custodial deposits if they don't meet the strongest financial standards.

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