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Bill Text Stats

8
Analyzed sections
$272.0B
Detected dollar total
0
Tax signals
2
Deadlines

Signal counts

Tax density 0.0%
Spending density 75.0%
Spending 6
Amendments 3
Statutory Reference 3
Studies 3
Deadline 2
Benefits 1

Top agencies

N/A

Statutory references

12 U.S.C. 1831f 1
12 U.S.C. 1831f 1
12 U.S.C. 289 1

House Votes

Timeline

May 21, 2026

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

May 20, 2026

Considered as unfinished business. (consideration: CR H3644-3645)

May 20, 2026

Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 405 - 0 (Roll no. 177).

May 20, 2026

On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 405 - 0 (Roll no. 177).

May 20, 2026

Motion to reconsider laid on the table Agreed to without objection.

May 19, 2026

Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.

May 19, 2026

Considered under suspension of the rules. (consideration: CR H3582-3584; text: CR H3582)

May 19, 2026

DEBATE - The House proceeded with forty minutes of debate on H.R. 3234.

May 19, 2026

At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.

Nov 4, 2025

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-362.

Nov 4, 2025

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-362.

Nov 4, 2025

Placed on the Union Calendar, Calendar No. 314.

Sep 16, 2025

Committee Consideration and Mark-up Session Held

Sep 16, 2025

Ordered to be Reported (Amended) by the Yeas and Nays: 51 - 0.

May 7, 2025

Introduced in House

May 7, 2025

Introduced in House

May 7, 2025

Referred to the House Committee on Financial Services.

Affected Sectors

How to read this

Sectors are deterministic matches from official Congress.gov data and cached bill text. They are source-derived signals, not conclusions about intent or economic effect.

Evidence matches count official fields, normalized subjects, cached text snippets, or extracted entities that matched the sector rules.

Impact is a bill-level rollup used for sorting and filtering. It is not an economic impact estimate.

Confidence is the strongest individual match score behind that sector.

Evidence snippets show why a sector matched and can repeat when Congress.gov repeats the same phrase across official fields.

Finance and banking
18 evidence matches
Impact 100% Confidence 90%

Finance and Financial Sector

Finance and Financial Sector

Bank accounts, deposits, capital

CBO Cost Estimates

Official Congressional Budget Office cost estimate links associated with this bill through Congress.gov records.

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CBO context shows source-attributed Congressional Budget Office cost estimates linked from official Congress.gov bill records. It is research context only; read the official CBO source document for assumptions, scope, and dates.

No CBO cost estimate is currently linked for this bill.

Campaign Finance Context

Related FEC/OpenFEC campaign-finance records for lawmakers and candidates tied to this bill through source-attributed legislative relationships. These are not donations to the bill itself.

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Amounts shown here are campaign-finance totals for sponsor or cosponsor-linked candidates and their committees in the displayed FEC cycle.

They are not donations to this bill, spending on this bill, or proof that money influenced or caused sponsorship, cosponsorship, votes, or legislative outcomes.

If multiple linked lawmakers have FEC records, this section can show multiple candidate cards and separate sponsor/cosponsor rollups.

Campaign-finance context uses source-attributed FEC/OpenFEC records that are related or relevant to the displayed bill, lawmaker, candidate, committee, or legislative relationship through deterministic links. It is research context only, not proof of influence, causation, endorsement, or that money caused a sponsorship, vote, or legislative outcome.

No FEC/OpenFEC campaign-finance context is currently linked for this bill.

Lobbying Context

Related LDA.gov filings where public lobbying activity descriptions reference this bill. These records are source-attributed research context, not evidence of influence or causation.

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Lobbying context uses source-attributed LDA.gov records that appear related to this bill through bill references in public lobbying activity descriptions. It is research context only, not proof of influence, causation, endorsement, lobbying effectiveness, or legislative intent.

No LDA.gov lobbying disclosure context is currently linked for this bill.

Summary

00 Introduced in House Dec 15, 2025

This bill increases the amount insured depository institutions may accept as reciprocal deposits. (Reciprocal deposits are used by institutions to increase the availability of deposit insurance by splitting large deposits using a reciprocal network of institutions.) The bill creates a tiered system so that the allowable amount is based on the institution's total liabilities. Additionally, the bill changes certain qualifications insured depository institutions may be required to have to accept reciprocal deposits. Under current law, institutions may qualify by having a composite rating of outstanding or good, among other requirements. The bill allows institutions with a 1, 2, or 3 rating under the CAMELS scale to qualify. (The Uniform Financial Institutions Rating System uses the characteristics of capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk (i.e., CAMELS ratings) to rate the health of financial institutions, with a 1 indicating the highest rating and least degree of supervisory concern and a 5 indicating the lowest rating and highest degree of supervisory concern.)

Sponsors

Emmer, Tom
Sponsor

Emmer, Tom

Republican · MN-6 · E000294

Joined May 7, 2025
Website
N/A
Office
326 Cannon House Office Building
Beatty, Joyce
Cosponsor

Beatty, Joyce

Democratic · OH-3 · B001281

Joined May 7, 2025
Website
N/A
Office
2079 Rayburn House Office Building
Meuser, Daniel
Cosponsor

Meuser, Daniel

Republican · PA-9 · M001204

Joined May 7, 2025
Website
N/A
Office
350 Cannon House Office Building
Moore, Gwen
Cosponsor

Moore, Gwen

Democratic · WI-4 · M001160

Joined May 7, 2025
Website
N/A
Office
2252 Rayburn House Office Building
Flood, Mike
Cosponsor

Flood, Mike

Republican · NE-1 · F000474

Joined Jul 2, 2025
Website
N/A
Office
343 Cannon House Office Building
Ezell, Mike
Cosponsor

Ezell, Mike

Republican · MS-4 · E000235

Joined Sep 11, 2025
Website
N/A
Office
443 Cannon House Office Building
Sessions, Pete
Cosponsor

Sessions, Pete

Republican · TX-17 · S000250

Joined Sep 15, 2025
Website
N/A
Office
2204 Rayburn House Office Building
Bergman, Jack
Cosponsor

Bergman, Jack

Republican · MI-1 · B001301

Joined Sep 18, 2025
Website
N/A
Office
566 Cannon House Office Building

Amendments

No amendment records are currently available for this bill.
Compiled bill record. Bill pages combine Congress.gov source payloads, normalized relationships, cached text analysis, vote links, and deterministic sector/signal extraction. This is not an official government record or legal advice; use the official source link when accuracy matters.