American Access to Banking Act
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TQL analysis
D62
62 / 90 · methodology full_text_v3
The American Access to Banking Act aims to streamline the process for forming new regulated financial institutions by simplifying application processes, improving communication, and fostering mentorships. It includes provisions for oversight and public engagement but lacks detailed fiscal analysis and specific enforcement mechanisms.
Structural flags
⚑ Spends without a pay-for — authorizes new spending with no stated offset or pay-for
Legislative structure
Criterion breakdown8 criteria · max 90
Advanced Full criterion breakdown
The letter, score, and explanation above are free. The point-by-point breakdown of all eight scored criteria — with each criterion's value and how it moved the grade — is a Quiet Ledger research capability.
Access options →Recorded vote · House roll call 178 · 2026-05-20
405 Yea · 4 Nay · 0 Present · 21 Not voting — Passed
Actions (18)
| Date | Time | Action |
|---|---|---|
| 2025-07-17 | — | Referred to the House Committee on Financial Services. |
| 2025-07-17 | — | Introduced in House |
| 2025-07-17 | — | Introduced in House |
| 2025-07-22 | — | Committee Consideration and Mark-up Session Held |
| 2025-07-23 | — | Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 49 - 0. |
| 2025-07-23 | — | Committee Consideration and Mark-up Session Held |
| 2025-09-08 | — | Placed on the Union Calendar, Calendar No. 210. |
| 2025-09-08 | — | Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253. |
| 2025-09-08 | — | Reported (Amended) by the Committee on Financial Services. H. Rept. 119-253. |
| 2026-05-19 | 17:18:06 | Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended. |
| 2026-05-19 | 17:18:16 | Considered under suspension of the rules. (consideration: CR H3584-3586; text: CR H3584-3585) |
| 2026-05-19 | 17:18:17 | DEBATE - The House proceeded with forty minutes of debate on H.R. 4544. |
| 2026-05-19 | 17:28:49 | 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. |
| 2026-05-20 | 13:08:53 | Considered as unfinished business. (consideration: CR H3645) |
| 2026-05-20 | 13:12:59 | 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). |
| 2026-05-20 | 13:12:59 | 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 - 4 (Roll no. 178). |
| 2026-05-20 | 13:13:01 | Motion to reconsider laid on the table Agreed to without objection. |
| 2026-05-21 | — | Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
Provenance
- Methodology
- full_text_v3
- Calculated
- 2026-09-18 16:53:36.863+00
- Source version
- 2026-05-21
- Assessments
- —
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