Congress·Reported·H.R. 5276

Community Bank LIFT Act

Community Bank LIFT Act: Reducing Rules for Local Banks

Nov 4, 2025·View on Congress.gov·Read full text

Next up: The HouseNo action in 8 months

The Community Bank LIFT Act has been reported by the House Committee on Financial Services and is now waiting for a vote on the House floor. No action has been taken on this bill since November 2025, which means it has been stalled for about eight months. House leadership must decide to schedule a vote before the bill can move forward.

Legislative Progress

House

Senate

President

Law

Likely to pass

The bill has successfully moved out of committee and addresses a popular goal of helping small banks, which often gets support from both parties.

Key Points

This bill makes it easier for local community banks to follow federal rules by lowering the amount of cash they must keep on hand. It changes the required cash reserve ratio from at least 8 percent down to as low as 6 percent.
More banks will qualify for these simpler rules. Currently, only banks with less than $10 billion in assets can use this simplified system, but this bill raises that limit to $15 billion so more mid-sized local banks can participate.
The goal is to reduce the time and money small banks spend on complex government paperwork. By making the rules simpler, supporters hope these banks can focus more on lending money to local families and small businesses in their towns.
Federal banking agencies like the FDIC and the Federal Reserve must study how to make these rules even easier for the smallest banks. They have about five months to finish a report and one year to put the new rules into action.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

3 milestones6 actions

Nov 4, 2025House

Placed on the Union Calendar, Calendar No. 319.

The bill is now on the schedule for the full chamber to consider. It's in line for debate and a vote.

Nov 4, 2025House

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-367.

Sep 16, 2025House

Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.

The committee approved this bill and is sending it to the full chamber for a vote. This is a significant step — most bills never get this far.

Sep 16, 2025House

Committee Consideration and Mark-up Session Held

Sep 10, 2025House

Referred to the House Committee on Financial Services.

No votes, news coverage, or related bills recorded for this bill yet.

Source Information

Document Type

Congressional Bill

Official Title

Community Bank LIFT Act

Bill NumberHR 5276

Congress119th Congress

ChamberHouse of Representatives

Latest ActionPlaced on the Union Calendar, Calendar No. 319.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Analysis generated by AI. Always verify with official sources.