Congress·Reported·H.R. 6536

Rural Banks: Federal Study on Growth and Financial Strength

Rural Depositories Revitalization Study Act

Legislative Progress

House

Senate

President

Law

Congress would require key federal bank regulators to run a joint study on how to help rural-focused banks grow and stay financially strong.
The study must look for ways to improve rural banks’ ability to build capital and earn steady profits, which can affect local lending.
Regulators must also identify federal laws or rules that may be holding back these improvements or making it hard to start new rural banks.
Within 6 months after the bill becomes law, the regulators must send Congress a report with their findings.
This bill orders a study and report; it does not directly change banking rules or provide funding on its own.

EconomySmall BusinessConsumer Protection

3 milestones7 actions

Feb 2, 2026House

Placed on the Union Calendar, Calendar No. 404.

Feb 2, 2026House

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-473.

Dec 17, 2025House

Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 0.

Dec 17, 2025House

Committee Consideration and Mark-up Session Held

Dec 16, 2025House

Committee Consideration and Mark-up Session Held

1 bill

Main Street Capital Access Act

Jan 7 — Referred to the House Committee on Financial Services.

Document Type

Congressional Bill

Official Title

Rural Depositories Revitalization Study Act

Bill NumberHR 6536

Congress119th Congress

ChamberHouse of Representatives

Latest ActionPlaced on the Union Calendar, Calendar No. 404.

(3)

D: 1R: 2

Congress.gov

Official legislative information

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