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118-s-5627Committee
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Postal Banking Act

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Summary

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The Postal Banking Act would authorize the United States Postal Service to offer basic financial services, including small-dollar loans (up to $500, or $1,000 within a year), checking and savings accounts, debit cards, check-cashing, bill-pay, and remittance services. The bill sets limits on loan amounts and account balances, requires savings account interest rates to match or exceed FDIC rates, and caps small-dollar loan rates at no more than 101 percent of the Treasury 1-month rate. The Federal Reserve would be required to transfer necessary funding to the Postal Service to support these services, and the Postal Service would provide them directly rather than through partnerships with private financial institutions.

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Bill details

Congress
118
Bill type
s
Introduced
December 19, 2024
Sponsor
Not yet available
Last action
December 19, 2024— Read twice and referred to the Committee on Homeland Security and Governmental Affairs.

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