H.R. 5276Heading to a voteJobs & the economy
Bill would let more banks use simplified capital rules
Data as of July 22, 2026
The Community Bank LIFT Act would raise the eligibility limit to $15 billion and lower required capital to 6-8 percent.AI-decoded40-second read · 4 questions answered below
Decoded
AI-decodedWhat 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.
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
Community Bank LIFT Act
- Introduced:
- September 10, 2025
- Latest action:
- November 4, 2025
Placed on the Union Calendar, Calendar No. 319.
Read the official bill on Congress.gov