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H.R. 6536119th CongressPlaced on the calendarLatest action Feb 2, 2026Decoded by AI · checked against the record
Official title: Rural Depositories Revitalization Study Act
Introduced:
Read the official bill on Congress.govThe plain-language version leads. The official text is always the reference.
HR 6536 requires federal regulators to study how to help rural banks grow and report findings to Congress within six months.
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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.
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.
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.
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. 404.