H.R. 3234 · 119th Congress · pending
Keeping Deposits Local Act
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest official action 2026-05-21 · Referred
The bill, briefly
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.)
Congressional Research Service · 2025-05-07
Who reported lobbying on this bill?
Amount spent specifically on this bill: not disclosed
The reports below name this bill and disclose an organization’s overall lobbying expenses or a firm’s client income for the period. They can cover many bills and issues. These amounts are not payments to the bill or its politicians.
No matching lobbying report is imported yet. This is not evidence that no lobbying occurred.
2,409 latest lobbying reports imported. Some source imports are still in progress.
Politicians behind the bill
Sponsors and cosponsors from the official source, limited to members currently in office. Campaign amounts are cycle-wide and are not payments for this bill.
Sponsor
Tom Emmer
House · MN District 6 · Republican
$2,367,244PAC receipts · 2025–2026
Cosponsor
Joyce Beatty
House · OH District 3 · Democratic
$971,294PAC receipts · 2025–2026
Cosponsor
Daniel Meuser
House · PA District 9 · Republican
$824,780PAC receipts · 2025–2026
Cosponsor
Gwen Moore
House · WI District 4 · Democratic
$757,507PAC receipts · 2025–2026
Cosponsor
Andy Barr
House · KY District 6 · Republican
Not availablePAC receipts · 2025–2026
Cosponsor
Mike Flood
House · NE District 1 · Republican
$1,190,250PAC receipts · 2025–2026
Cosponsor
Roger Williams
House · TX District 25 · Republican
$520,845PAC receipts · 2025–2026
Cosponsor
Mike Ezell
House · MS District 4 · Republican
$469,425PAC receipts · 2025–2026
Cosponsor
Pete Sessions
House · TX District 17 · Republican
$551,944PAC receipts · 2025–2026
Cosponsor
Jared F. Golden
House · ME District 2 · Democratic
$250,994PAC receipts · 2025–2026
Cosponsor
Jack Bergman
House · MI District 1 · Republican
$826,119PAC receipts · 2025–2026
Cosponsor
Mike Rogers
House · AL District 3 · Republican
$705,244PAC receipts · 2025–2026
11 of 11 source cosponsor records retrieved; only current officials and unwithdrawn sponsorships appear.
PAC donors to the listed sponsors
These are all-cycle contributions to the listed sponsors’ and cosponsors’ campaigns. FEC does not attribute them to this bill. A donation plus sponsorship does not establish why a politician acted.
AMERICAN BANKERS ASSOCIATION PAC (BANKPAC)$97,500
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Mike Ezell · Cosponsor · $6,500
Pete Sessions · Cosponsor · $7,500
Jared F. Golden · Cosponsor · $3,500
Jack Bergman · Cosponsor · $10,000
Mike Rogers · Cosponsor · $10,000
Official PAC recordAMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS POLITICAL ACTION COMMITTEE$77,000
Tom Emmer · Sponsor · $7,500
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Gwen Moore · Cosponsor · $5,000
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Mike Ezell · Cosponsor · $2,000
Pete Sessions · Cosponsor · $10,000
Jack Bergman · Cosponsor · $7,500
Mike Rogers · Cosponsor · $5,000
Official PAC recordNATIONAL ASSOCIATION OF REALTORS POLITICAL ACTION COMMITTEE$68,000
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $5,000
Daniel Meuser · Cosponsor · $5,000
Gwen Moore · Cosponsor · $5,000
Mike Flood · Cosponsor · $5,000
Roger Williams · Cosponsor · $10,000
Mike Ezell · Cosponsor · $10,000
Pete Sessions · Cosponsor · $10,000
Jared F. Golden · Cosponsor · $3,000
Jack Bergman · Cosponsor · $5,000
Mike Rogers · Cosponsor · $5,000
Official PAC recordAMERICA'S CREDIT UNIONS PAC$67,000
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $7,500
Daniel Meuser · Cosponsor · $5,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Mike Ezell · Cosponsor · $7,500
Pete Sessions · Cosponsor · $2,000
Jared F. Golden · Cosponsor · $0
Jack Bergman · Cosponsor · $5,000
Mike Rogers · Cosponsor · $10,000
Official PAC recordERNST & YOUNG POLITICAL ACTION COMMITTEE$65,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $7,500
Daniel Meuser · Cosponsor · $7,500
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $7,500
Roger Williams · Cosponsor · $10,000
Pete Sessions · Cosponsor · $10,000
Jack Bergman · Cosponsor · $2,500
Official PAC recordNATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS POLITICAL ACTION COMM$65,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Pete Sessions · Cosponsor · $5,000
Official PAC recordAMERICAN ISRAEL PUBLIC AFFAIRS COMMITTEE POLITICAL ACTION COMMITTEE$61,940
Tom Emmer · Sponsor · $10,494
Joyce Beatty · Cosponsor · $4,994
Daniel Meuser · Cosponsor · $9,994
Mike Flood · Cosponsor · $9,994
Roger Williams · Cosponsor · $4,994
Mike Ezell · Cosponsor · $4,994
Pete Sessions · Cosponsor · $4,994
Jared F. Golden · Cosponsor · $4,994
Jack Bergman · Cosponsor · $4,994
Mike Rogers · Cosponsor · $1,494
Official PAC recordREGIONS FINANCIAL CORPORATION POLITICAL ACTION COMMITTEE$60,500
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $7,500
Mike Ezell · Cosponsor · $2,000
Pete Sessions · Cosponsor · $1,000
Mike Rogers · Cosponsor · $10,000
Official PAC recordUBS AMERICAS INC. POLITICAL ACTION COMMITTEE (UBS PAC)$60,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $10,000
Pete Sessions · Cosponsor · $10,000
Official PAC recordNATIONAL AUTOMOBILE DEALERS ASSOCIATION POLITICAL ACTION COMMITTEE$57,500
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $5,000
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Mike Ezell · Cosponsor · $2,500
Pete Sessions · Cosponsor · $5,000
Mike Rogers · Cosponsor · $5,000
Official PAC recordMORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE (MORPAC)$56,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $7,500
Daniel Meuser · Cosponsor · $6,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Pete Sessions · Cosponsor · $2,000
Jack Bergman · Cosponsor · $5,500
Official PAC recordTHE COUNCIL OF INSURANCE AGENTS & BROKERS POLITICAL ACTION COMMITTEE$55,000
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $7,500
Roger Williams · Cosponsor · $2,500
Pete Sessions · Cosponsor · $7,500
Jared F. Golden · Cosponsor · $2,500
Official PAC recordAFLAC POLITICAL ACTION COMMITTEE (AFLAC PAC)$52,500
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $6,000
Daniel Meuser · Cosponsor · $2,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $7,500
Roger Williams · Cosponsor · $2,500
Pete Sessions · Cosponsor · $2,000
Jack Bergman · Cosponsor · $5,000
Mike Rogers · Cosponsor · $7,500
Official PAC recordBUILD POLITICAL ACTION COMMITTEE OF THE NATIONAL ASSOCIATION OF HOME BUILDERS (BUILDPAC)$52,500
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $3,000
Daniel Meuser · Cosponsor · $5,000
Gwen Moore · Cosponsor · $2,500
Mike Flood · Cosponsor · $8,500
Roger Williams · Cosponsor · $10,000
Mike Ezell · Cosponsor · $5,000
Pete Sessions · Cosponsor · $2,500
Jared F. Golden · Cosponsor · $5,000
Jack Bergman · Cosponsor · $4,000
Mike Rogers · Cosponsor · $2,000
Official PAC recordASSOCIATED BUILDERS AND CONTRACTORS, INC. POLITICAL ACTION COMMITTEE (ABC PAC)$51,000
Tom Emmer · Sponsor · $5,000
Daniel Meuser · Cosponsor · $10,000
Mike Flood · Cosponsor · $5,000
Roger Williams · Cosponsor · $8,500
Mike Ezell · Cosponsor · $7,500
Pete Sessions · Cosponsor · $2,500
Jack Bergman · Cosponsor · $2,500
Mike Rogers · Cosponsor · $10,000
Official PAC recordALLY FINANCIAL INC. ADVOCACY POLITICAL ACTION COMMITTEE$50,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $7,500
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Pete Sessions · Cosponsor · $2,500
Official PAC recordAMERICAN CRYSTAL SUGAR COMPANY POLITICAL ACTION COMMITTEE$50,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $5,000
Mike Flood · Cosponsor · $5,000
Mike Ezell · Cosponsor · $5,000
Pete Sessions · Cosponsor · $10,000
Jared F. Golden · Cosponsor · $5,000
Jack Bergman · Cosponsor · $5,000
Mike Rogers · Cosponsor · $5,000
Official PAC recordINDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA, INC. POLITICAL ACTION COMMITTEE (INSURPAC)$47,000
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $5,000
Daniel Meuser · Cosponsor · $10,000
Gwen Moore · Cosponsor · $2,500
Mike Flood · Cosponsor · $4,000
Roger Williams · Cosponsor · $5,000
Mike Ezell · Cosponsor · $2,500
Pete Sessions · Cosponsor · $8,000
Mike Rogers · Cosponsor · $5,000
Official PAC recordNATIONAL BEER WHOLESALERS ASSOCIATION POLITICAL ACTION COMMITTEE$47,000
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $2,500
Daniel Meuser · Cosponsor · $2,500
Gwen Moore · Cosponsor · $2,500
Mike Flood · Cosponsor · $4,500
Roger Williams · Cosponsor · $10,000
Mike Ezell · Cosponsor · $7,500
Pete Sessions · Cosponsor · $2,500
Jack Bergman · Cosponsor · $5,000
Mike Rogers · Cosponsor · $5,000
Official PAC recordHUNTINGTON BANCSHARES INC. POLITICAL ACTION COMMITTEE (HBI-PAC)$46,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $7,500
Gwen Moore · Cosponsor · $1,000
Mike Flood · Cosponsor · $6,500
Roger Williams · Cosponsor · $7,000
Pete Sessions · Cosponsor · $4,000
Official PAC recordALLIED PILOTS ASSOCIATION POLITICAL ACTION COMMITTEE$45,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $2,500
Roger Williams · Cosponsor · $2,500
Mike Ezell · Cosponsor · $2,500
Pete Sessions · Cosponsor · $10,000
Jared F. Golden · Cosponsor · $5,000
Jack Bergman · Cosponsor · $10,000
Mike Rogers · Cosponsor · $2,500
Official PAC recordCAPITAL ONE FINANCIAL CORP. ASSOC. POLITICAL FUND$45,000
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $5,000
Gwen Moore · Cosponsor · $5,000
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Official PAC recordNEW YORK LIFE INSURANCE COMPANY POLITICAL ACTION COMMITTEE$45,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $5,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $10,000
Official PAC recordUNITED SERVICES AUTOMOBILE ASSOCIATION EMPLOYEE PAC - USAA EMPLOYEE PAC$45,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $2,500
Daniel Meuser · Cosponsor · $5,000
Gwen Moore · Cosponsor · $7,500
Mike Flood · Cosponsor · $10,000
Jack Bergman · Cosponsor · $10,000
Official PAC recordNATIONAL MULTIFAMILY HOUSING COUNCIL AND REAL ESTATE TECHNOLOGY AND TRANSFORMATION CENTER POLITICAL ACTION COMMITTEE (NMHC PAC)$43,500
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $2,500
Gwen Moore · Cosponsor · $7,500
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $1,000
Pete Sessions · Cosponsor · $2,500
Mike Rogers · Cosponsor · $5,000
Official PAC recordDELOITTE POLITICAL ACTION COMMITTEE$42,500
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $2,500
Daniel Meuser · Cosponsor · $5,000
Gwen Moore · Cosponsor · $5,000
Mike Flood · Cosponsor · $5,000
Roger Williams · Cosponsor · $2,500
Pete Sessions · Cosponsor · $2,500
Mike Rogers · Cosponsor · $10,000
Official PAC recordIN THE ARENA PAC$42,500
Tom Emmer · Sponsor · $5,000
Daniel Meuser · Cosponsor · $5,000
Mike Flood · Cosponsor · $5,000
Roger Williams · Cosponsor · $5,000
Mike Ezell · Cosponsor · $5,000
Pete Sessions · Cosponsor · $5,000
Jack Bergman · Cosponsor · $7,500
Mike Rogers · Cosponsor · $5,000
Official PAC recordCHARTER COMMUNICATIONS INC. POLITICAL ACTION COMMITTEE$42,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $7,000
Gwen Moore · Cosponsor · $10,000
Jack Bergman · Cosponsor · $10,000
Mike Rogers · Cosponsor · $5,000
Official PAC recordAMERICAN COUNCIL OF LIFE INSURERS POLITICAL ACTION COMMITTEE$41,000
Tom Emmer · Sponsor · $8,500
Joyce Beatty · Cosponsor · $4,500
Daniel Meuser · Cosponsor · $8,000
Gwen Moore · Cosponsor · $5,000
Mike Flood · Cosponsor · $8,000
Roger Williams · Cosponsor · $1,000
Pete Sessions · Cosponsor · $5,000
Jared F. Golden · Cosponsor · $1,000
Official PAC recordHONEYWELL INTERNATIONAL INC. TECHNOLOGIES PUBLIC AFFAIRS COUNCIL (HONPAC)$41,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $2,500
Gwen Moore · Cosponsor · $5,000
Mike Flood · Cosponsor · $1,000
Mike Ezell · Cosponsor · $2,500
Jack Bergman · Cosponsor · $10,000
Mike Rogers · Cosponsor · $10,000
Official PAC recordTHE HOME DEPOT INC. POLITICAL ACTION COMMITTEE$40,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $7,500
Gwen Moore · Cosponsor · $2,500
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Pete Sessions · Cosponsor · $5,000
Official PAC recordTHRIVENT FINANCIAL FOR LUTHERANS POLITICAL ACTION COMMITTEE$40,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $10,000
Official PAC recordPRICEWATERHOUSECOOPERS POLITICAL ACTION COMMITTEE I$39,500
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $3,500
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $2,500
Roger Williams · Cosponsor · $6,000
Pete Sessions · Cosponsor · $2,500
Official PAC recordLOCKHEED MARTIN CORPORATION EMPLOYEES' POLITICAL ACTION COMMITTEE$39,000
Tom Emmer · Sponsor · $5,000
Joyce Beatty · Cosponsor · $3,000
Daniel Meuser · Cosponsor · $1,000
Gwen Moore · Cosponsor · $3,000
Mike Flood · Cosponsor · $5,000
Roger Williams · Cosponsor · $2,000
Pete Sessions · Cosponsor · $3,000
Jack Bergman · Cosponsor · $7,000
Mike Rogers · Cosponsor · $10,000
Official PAC recordNATIONAL RURAL ELECTRIC COOPERATIVE ASSOCIATION AMERICA'S ELECTRIC COOPERATIVES PAC$38,500
Tom Emmer · Sponsor · $3,000
Joyce Beatty · Cosponsor · $6,000
Daniel Meuser · Cosponsor · $1,000
Gwen Moore · Cosponsor · $4,000
Mike Flood · Cosponsor · $2,500
Mike Ezell · Cosponsor · $5,000
Pete Sessions · Cosponsor · $1,000
Jared F. Golden · Cosponsor · $1,000
Jack Bergman · Cosponsor · $7,500
Mike Rogers · Cosponsor · $7,500
Official PAC recordAMERICAN OPTOMETRIC ASSOCIATION POLITICAL ACTION COMMITTEE$37,500
Tom Emmer · Sponsor · $2,500
Joyce Beatty · Cosponsor · $2,500
Gwen Moore · Cosponsor · $2,500
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Pete Sessions · Cosponsor · $3,500
Jack Bergman · Cosponsor · $10,000
Mike Rogers · Cosponsor · $1,500
Official PAC recordNATIONAL APARTMENT ASSOCIATION POLITICAL ACTION COMMITTEE$37,500
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $5,000
Daniel Meuser · Cosponsor · $3,500
Gwen Moore · Cosponsor · $2,500
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Pete Sessions · Cosponsor · $3,000
Mike Rogers · Cosponsor · -$1,500
Official PAC recordSYNCHRONY FINANCIAL EMPLOYEES POLITICAL ACTION COMMITTEE (SYNCPAC)$37,500
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $5,000
Gwen Moore · Cosponsor · $10,000
Mike Flood · Cosponsor · $2,500
Official PAC recordAMERICAN COUNCIL OF ENGINEERING COMPANIES (ACEC/PAC)$37,000
Tom Emmer · Sponsor · $10,000
Joyce Beatty · Cosponsor · $2,500
Mike Flood · Cosponsor · $10,000
Roger Williams · Cosponsor · $4,000
Mike Ezell · Cosponsor · $7,500
Jack Bergman · Cosponsor · $3,000
Official PAC recordINDEPENDENT COMMUNITY BANKERS OF AMERICA POLITICAL ACTION COMMITTEE (ICBA PAC)$36,500
Tom Emmer · Sponsor · $8,000
Joyce Beatty · Cosponsor · $4,000
Daniel Meuser · Cosponsor · $5,500
Gwen Moore · Cosponsor · $5,500
Mike Flood · Cosponsor · $4,500
Roger Williams · Cosponsor · $2,000
Pete Sessions · Cosponsor · $3,500
Jack Bergman · Cosponsor · $3,500
Official PAC recordThe largest 40 donor totals appear here. Open each politician for their complete, paginated PAC donor list.
What happened after enactment?
This bill is not enacted. Post-enactment results do not apply yet.