H.R. 6536Heading to a voteJobs & the economy
Bill would order federal study on boosting rural bank growth
Data as of July 11, 2026
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
Decoded
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.
Where does it stand?
- Introduced
- House committee
- House vote — You are here
- Senate
- President's desk
Right now: it's headed for a House floor vote. If the Senate changes it, it goes back to the House before reaching the President.
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Official title
Rural Depositories Revitalization Study Act
- Introduced:
- December 9, 2025
- Latest action:
- February 2, 2026
Placed on the Union Calendar, Calendar No. 404.
Read the official bill on Congress.govMake the call
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