RESTORE Act of 2025

House Bill

H.R. 5223

119th Congress

RESTORE Act of 2025

In Committee

Introduced:Sep 9, 2025

Primary Sponsor

Joyce Beatty

Representative

Democratic

OH-3

Cosponsors

0

Quick Stats

Policy Area

Finance and Financial Sector

Summary

The RESTORE Act of 2025 would require banks and other financial institutions to keep their branch locations open until 7 PM on weekdays and for at least 4 hours on Saturdays. This would make it more convenient for people to access banking services outside of typical 9-5 business hours.

Latest Action

Referred to the House Committee on Financial Services.

AI Summary

Plain-English explanation of this bill

The RESTORE Act of 2025 would require banks and other financial institutions to keep their branch locations open until 7 PM on weekdays and for at least 4 hours on Saturdays. This would make it more convenient for people to access banking services outside of typical 9-5 business hours.

Last updated: 12/30/2025

Official Summary

Congressional Research Service summary

Original Open for Business Act of 2023This bill requires each branch location of a depository institution with in-person customer service to remain open until 7:00 p.m. on weekdays and for a minimum of four hours on Saturdays.

Key Points

Main provisions of the bill

Requires banks and other depository institutions to keep branch locations open until 7 PM on weekdays
Requires banks to be open for a minimum of 4 hours on Saturdays
Aims to make it more convenient for people to access banking services outside of regular business hours

How This Impacts Americans

Potential effects on citizens and communities

If this bill becomes law, it would affect anyone who needs to access banking services, such as depositing checks, getting cash, or speaking with a bank representative. It would make it easier for working individuals and families to take care of their financial needs outside of typical work hours. This could particularly benefit low-income and rural communities that may have limited access to banking services during the day.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

5223, 119th Congress (2025). "RESTORE Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-5223