H.R. 6536

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 6536 Reported in House (RH)] <DOC> Union Calendar No. 404 119th CONGRESS 2d Session H. R. 6536 [Report No. 119-473] To require the Federal banking agencies to study improving the growth, capital adequacy, and profitability of rural depository institutions, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES December 9, 2025 Mr. Norman introduced the following bill; which was referred to the Committee on Financial Services February 2, 2026 Additional sponsors: Mr. Rose, Mr. Gottheimer, and Mr. Moore of North Carolina February 2, 2026 Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed [Strike out all after the enacting clause and insert the part printed in italic] [For text of introduced bill, see copy of bill as introduced on December 9, 2025] _______________________________________________________________________ A BILL To require the Federal banking agencies to study improving the growth, capital adequacy, and profitability of rural depository institutions, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Rural Depositories Revitalization Study Act''. SEC. 2. STUDY ON IMPROVING THE GROWTH, CAPITAL ADEQUACY, AND PROFITABILITY OF RURAL DEPOSITORY INSTITUTIONS. (a) Study.--The Federal banking agencies shall, jointly, carry out a study-- (1) to identify methods to improve the growth, capital adequacy, and profitability of depository institutions in the United States that primarily serve rural areas; and (2) to identify Federal statutes (other than appropriations Acts) or regulations of the Federal banking agencies that limit-- (A) the methods identified under paragraph (1); or (B) the establishment of de novo depository institutions in rural areas. (b) Report.--Not later than 1 year after the date of enactment of this Act, the Federal banking agencies shall, jointly, issue a report to Congress containing all findings and determinations made in carrying out the study required under subsection (a). (c) Definitions.--In this section: (1) Depository institution.--The term ``depository institution'' has the meaning given that term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). (2) Federal banking agencies.--The term ``Federal banking agencies'' means the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation. (3) Rural.--With respect to an area, the term ``rural'' has the meaning given that term in section 1026.35(b)(2)(iv)(A) of title 12, Code of Federal Regulations. Union Calendar No. 404 119th CONGRESS 2d Session H. R. 6536 [Report No. 119-473] _______________________________________________________________________ A BILL To require the Federal banking agencies to study improving the growth, capital adequacy, and profitability of rural depository institutions, and for other purposes. _______________________________________________________________________ February 2, 2026 Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed