Independent deposit journalism
The Deposit Report
Analysis

The Reciprocal Deposit Cap Went From 20 Percent to 50. Nobody Printed the Number.

The ROAD to Housing Act became law on July 11, 2026. It replaced the reciprocal deposit cap that community banks have worked under since 2018, and the industry announcements that celebrated it did not say what the new limit is. Here is the number, the statute it sits in, and what it does to your brokered deposit line.

By Jerred Hurst·
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By the numbers
50%of total liabilities in reciprocal deposits now escape brokered treatment, up from 20 percent.
Pub. L. 119-101, Sec. 902, amending 12 U.S.C. 1831f(i)(1). Became law July 11, 2026. Applies to the first $1 billion of total liabilities; 40 percent and 30 percent tiers apply above that.

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