Congress·Reported·H.R. 6536

Rural Depositories Revitalization Study Act

Rural Banks: Federal Study on Growth and Financial Strength

Dec 17, 2025·View on Congress.gov·Read full text

Next up: The House

This bill has been approved by its committee and is now waiting for a vote by the full House of Representatives. No action has been taken on this bill since February 2026, which means it has been stalled for about five months. Because floor time is limited, it is unclear if or when the House leadership will schedule a vote.

Legislative Progress

House

Senate

President

Law

Key Points

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

Impact Analysis

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

Milestones

3 milestones7 actions

Feb 2, 2026House

Placed on the Union Calendar, Calendar No. 404.

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

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.

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.

Dec 17, 2025House

Committee Consideration and Mark-up Session Held

Dec 16, 2025House

Committee Consideration and Mark-up Session Held

No votes or news coverage recorded for this bill yet.

Source Information

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.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Cosponsors

(3)

D: 1R: 2

Analysis generated by AI. Always verify with official sources.