Bill would let more banks use simplified capital rules
Placed on the calendarH.R. 5276Latest action
Sponsor: Young Kim · Representative · CA
AIDecoded by AI · checked against the recordRead the official text
Official title: Community Bank LIFT Act
119th Congress
Topics: Jobs & the economy
Introduced:
Read the official bill on Congress.govIn plain words
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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
What does this do?
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.
Who does it affect?
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.
Why does it matter?
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.
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Where does it stand?
- IntroducedSep 10, 2025
- House committee
- House voteYou are here · Nov 4, 2025
- Senate
- The president's desk
Right now: it was placed on the , 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.