Scored 8/10 on whether it helps or hurts everyday people.
The Banks & Credit Bill
New bill pushes for more community banks and credit unions
American Access to Banking Act
Good for everyday people ·
If passed, the bill would tell federal agencies to help start new banks and credit unions, making it easier for people to get banking services.
Our take
What we think, in plain words.
More banks could bring competition, lower fees, and more branches in underserved areas, but the bill still needs Senate approval, so advocates should push it now.
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The facts
What the bill actually says, no spin.
- The bill directs federal banking agencies to review applications for new banks.
- It requires agencies to examine how new banks raise capital.
- It calls for outreach programs to encourage new bank formation.
- The House passed the bill with a 405‑4 vote.
- The bill has been sent to the Senate for consideration.
How they voted
The actual floor vote, and who broke from their own party.
Want to see how your representatives voted on this? Find your reps →
- Andy Biggs (R): voted against it, crossing most Republicans
- Clay Higgins (R): voted against it, crossing most Republicans
- Mary Miller (R): voted against it, crossing most Republicans
- Keith Self (R): voted against it, crossing most Republicans
In the news
Scanning the news for this bill…
Headlines gathered from across the news, starting points to explore, not endorsements. Always read the official text before acting.
Sources
Read it yourself: the official bill and records.
This bill is in the Federal (Congress) Bill Book 2026
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