Congress·In Committee·H.R. 5913

House Bill Would Let Banks Boost Community Investment Caps From 15% to 20%

Community Investment and Prosperity Act

5 months ago·View on Congress.gov

Part of: Bipartisan Push to Raise Bank Investment Caps for Community Projects

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Stalled

No legislative action in over 90 days.

Legislative Progress

House

Senate

President

Law

Key Points

This bill would let bank regulators raise the cap on certain community-focused investments by banks.
It changes the limit from 15 to 20 (as written in federal banking law) for national banks and for state banks that are members of the Federal Reserve.
If regulators use this authority, banks could put more money into projects meant to benefit the public, like local development efforts.
Everyday impact could show up as more financing for community projects, but only if regulators approve higher limits and banks choose to participate.

EconomyConsumer ProtectionHousingSmall BusinessInfrastructure

Impact Analysis

Personal Impact

How this policy affects specific groups of people

Mixed Impacts(5)

Housing Assistance

Neutral

Renter

Neutral

Homeowner

Neutral

Small Business Owner

Neutral

Gig Worker

Neutral

Milestones

2 milestones2 actions

Nov 4, 2025House

Referred to the House Committee on Financial Services.

Nov 4, 2025

Introduced in House

What Happens Next

Projected impacts based on AI analysis

After Congress passes the bill and it becomes law

Bank regulators can approve higher total “public welfare” investments up to the new 20 limit

Banks that want to do more community and development investing may be able to put more total dollars into those projects without hitting the old cap

Related News

3 articles

POLITICO Pro·8 months ago

Senate Banking introduces bipartisan bill to increase private investments in affordable housing

The Community Investment and Prosperity Act would raise the statutory cap limiting the amount of money banks are able to invest in community projects from 15 percent to 20 percent. Senate Banking Chair Tim Scott noted the bill aims to unlock capital and boost housing supply.

Bipartisan Policy Center·about 1 month ago

What's in the Housing for the 21st Century Act?

Section 303 of the bill, titled 'Community Investment and Prosperity,' raises the cap on bank public welfare investments from 15% to 20%. It also requires federal regulators to report every two years on how these investments are supporting local communities.

NCSHA·about 1 month ago

House of Representatives Passes Affordable Housing Package

The House passed H.R. 6644, which contains the Community Investment and Prosperity Act. This provision would raise the cap on banks' public welfare investments, a category that includes critical investments in the Low-Income Housing Tax Credit (LIHTC) program.

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