HB4544Introduced in the House
American Access to Banking Act
Introduced by Maxine Waters, District CA-43
What does this bill do?
Plain-English breakdown
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Official description
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.
Where it stands
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 21, 2026
How did lawmakers vote?
HouseStage: On Motion to Suspend the Rules and Pass, as Amended RC# 178 · May 20, 2026
405
Yes
4
No
21
Absent or Not Voting
430 representatives recorded in this House vote. Colors show vote categories only, not whether a vote was good or bad.
What do people think?
Citizen Voice
How would you vote on this bill?
An unofficial public opinion poll. It does not affect the bill or the official vote.
One response per device. Location is self-reported and not verified. Results are informal and not a scientific survey.
See how each representative voted
| Representative | District | Vote |
|---|---|---|
| Nicholas Begich | AK | Yes |
| Barry Moore | AL-2 | Absent |
| Shomari Figures | AL-2 | Yes |
| Mike D. Rogers | AL-3 | Yes |
| Robert Aderholt | AL-4 | Absent |
| Dale Strong | AL-5 | Yes |
| Gary Palmer | AL-6 | Yes |
| Terri Sewell | AL-7 | Yes |
| Eric Crawford | AR-1 | Yes |
| French Hill | AR-2 | Yes |
Bill history
Introduced in House
Referred to the House Committee on Financial Services.
Committee Consideration and Mark-up Session Held
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253.
Placed on the Union Calendar, Calendar No. 210.
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585)
DEBATE - The House proceeded with forty minutes of debate on H.R. 4544.
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.
Considered as unfinished business. (consideration: CR H3645)
On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 405 - 4 (Roll no. 178).
Motion to reconsider laid on the table Agreed to without objection.
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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