Loading…
H.R. 5276119th CongressPlaced on the calendarLatest action Nov 4, 2025Decoded by AI · checked against the record
The plain-language version leads. The official text is always the reference.
The Community Bank LIFT Act would raise the eligibility limit to $15 billion and lower required capital to 6-8 percent.
40-second read · 4 questions answered below
The bill would raise the asset limit for the Community Bank Leverage Ratio (CBLR) from $10 billion to $15 billion and lower the required capital range from 8-10 percent to 6-8 percent. It also requires the Federal Reserve, OCC, and FDIC to study the system and report recommendations to Congress within 150 days, followed by final rules within a year.
Community banks under the new $15 billion threshold would gain eligibility for simplified capital rules; federal banking regulators must conduct the study and write new rules.
Lower capital requirements could reduce banks' financial cushion for absorbing losses, while also potentially reducing regulatory paperwork for smaller banks. How the change affects lending and bank safety depends on how regulators implement the final rules.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: it was placed on the House floor calendar, and the official record shows no floor action on it since. If the Senate changes it, it goes back to the House before reaching the President.
Latest action: — Placed on the Union Calendar, Calendar No. 319.