The bill
American Access to Banking Act
HR. 4544, 119th Congress — read as touching Commercial Banks.
American Access to Banking Act
Download PDFBill ID: 119/hr/4544
Last Updated: July 16, 2026
Sponsored by
Rep. Waters, Maxine [D-CA-43]
ID: W000187
Follow the money
The sponsor
Rep. Waters, Maxine [D-CA-43]
Every bill has someone who introduced it. That name is where the paper trail starts.
The money
$66,000 raised
20 itemised contributions to this sponsor, pulled from FEC filings.
Bill's Journey to Becoming a Law
Track this bill's progress through the legislative process
Latest Action
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 20, 2026
Introduced
Committee Review
Floor Action
Passed House
Senate Review
📍 Current Status
Next: Both chambers must agree on the same version of the bill.
🎉
Passed Congress
🖊️
Presidential Action
⚖️
Became Law
📚 How does a bill become a law?
1. Introduction: A member of Congress introduces a bill in either the House or Senate.
2. Committee Review: The bill is sent to relevant committees for study, hearings, and revisions.
3. Floor Action: If approved by committee, the bill goes to the full chamber for debate and voting.
4. Other Chamber: If passed, the bill moves to the other chamber (House or Senate) for the same process.
5. Conference: If both chambers pass different versions, a conference committee reconciles the differences.
6. Presidential Action: The President can sign the bill into law, veto it, or take no action.
7. Became Law: If signed (or if Congress overrides a veto), the bill becomes law!
Bill Summary
[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4544 Referred in Senate (RFS)]
<DOC> 119th CONGRESS 2d Session H. R. 4544
_______________________________________________________________________
IN THE SENATE OF THE UNITED STATES
May 21, 2026
Received; read twice and referred to the Committee on Banking, Housing, and Urban Affairs
________...
Related Topics
Federal Budget & AppropriationsCongressional Rules & ProceduresBanking & Financial Services
Generated using Llama 3.1 70B (Dr. Haus personality)
💰 Campaign Finance Network
Rep. Waters, Maxine [D-CA-43]
Congress 119 • 2024 Election Cycle
Total Contributions
$66,000
20 donors
PACs
$0
Organizations
$0
Committees
$0
Individuals
$66,000
No PAC contributions found
No organization contributions found
No committee contributions found
1
GUSSMAN, HOWARD L.
$3,300
2
HAMILON, ROBERT
$3,300
3
HAMILON, SARA ANN
$3,300
4
ROSENBLOOM, KATHLEEN
$3,300
5
BROOKS, BRANDI
$3,300
6
CALLAWAY, ANTHONY
$3,300
7
GOULD, DAVID
$3,300
8
GUSSMAN, MADELINE
$3,300
9
GUSSMAN-ZAIRI, LISA
$3,300
10
LECHTER, ARIEL
$3,300
11
LECHTER, JENNIFER
$3,300
12
PANG, SIMON
$3,300
13
CALLAWAY, CARLA
$3,300
14
GUSSMAN, DAVID
$3,300
15
GUSSMAN, DEENA
$3,300
16
KAUPP, JOSHUA
$3,300
17
PINK JR., TILLMAN
$3,300
18
TAYLOR, RICK
$3,300
19
TSIMMERMAN, LEON
$3,300
20
WEST, ALBERT
$3,300
Donor Network - Rep. Waters, Maxine [D-CA-43]
PACs
Organizations
Individuals
Politicians
Hub layout: Politicians in center, donors arranged by type in rings around them.
Loading...
Showing 27 nodes and 20 connections (28 secondary connections hidden)
Total contributions: $66,000
Top Donors - Rep. Waters, Maxine [D-CA-43]
Showing top 20 donors by contribution amount
20 Individuals
Industry Impact
Which industries are materially affected by specific provisions in this bill. 1 helped.
- +Commercial Banksconfidence 0.90
The bill directs Federal banking agencies to streamline application processes, review capital raising, improve communication, establish mentor-protege partnerships, and engage with stakeholders to promote formation of de novo regulated institutions, which benefits commercial banks by reducing barriers to entry and supporting new bank formation (Sections 2-5).
Who funds the sponsor on these industries
For each industry this bill affects, here's what the sponsor (Rep. Waters, Maxine [D-CA-43])received from donors associated with that industry during the 2022–present cycles. Donations are not proof of intent — they are a record of who funds the people writing the law.
Industries this bill HELPS
- Commercial Banks$2,000from 2 contributions
- JACKSON, RALPH$1,000
- MILES, ERICA$1,000
Related Bills
Other Bills by Rep. Waters, Maxine
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Of inquiry requesting the President to provide certain documents in the President's possession to the House of Representatives relating to the access provided to the staff and advisers of, including any individual working for or in conjunction with, the Department of Government Efficiency to the systems, applications, and accounts, and any information contained therein, of the Bureau of Consumer Financial Protection.
119/hres/259
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