Bill would order federal study on boosting rural bank growth
Placed on the calendarH.R. 6536Latest action
Sponsor: Ralph Norman · Representative · SC
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Official title: Rural Depositories Revitalization Study Act
119th Congress
Topics: Jobs & the economy
Introduced:
Read the official bill on Congress.govIn plain words
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HR 6536 requires federal regulators to study how to help rural banks grow and report findings to Congress within six months.
40-second read · 4 questions answered below
What does this do?
HR 6536 directs the Federal Reserve, Comptroller of the Currency, and FDIC to jointly study banks and credit institutions serving rural communities. The study would identify ways to help rural banks grow, stay stable, and remain profitable, plus any federal laws or rules that hinder rural bank growth or discourage new "de novo" rural banks. Agencies must send Congress a report within six months of enactment.
Who does it affect?
Federal banking regulators (Federal Reserve, OCC, FDIC) would conduct the study; rural communities, small banks, and credit unions could be affected by any future legislation based on the findings.
Why does it matter?
The bill makes no changes to banking rules itself; it only produces research that Congress could use later to decide whether new legislation is needed.
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Where does it stand?
- IntroducedDec 9, 2025
- House committee
- House voteYou are here · Feb 2, 2026
- 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. 404.