US Congress · 119th Congress (2025-2026)

HR 6955In Second Chamber

Main Street Capital Access Act

Source of recordUS Congress · congress.govLast synced Aug 21, 2026

Chamber

House

Progress

Where this bill stands in the legislative process.

Introduced
Passed House
Passed Senate
To President
Became Law

Overview

The Main Street Act aims to improve the federal banking system by making it easier for new banks to form, tailoring regulations to the specific risks of smaller institutions, increasing transparency in bank supervision, and strengthening local bank funding. It seeks to reduce regulatory burdens on community banks and promote competition in the banking industry.

Key provisions

Provides a 3-year phase-in period for new banks to meet capital requirements.
Establishes a reduced reporting requirement for small banks under the Community Bank Leverage Ratio.
Raises the threshold for qualifying community banks under the Community Bank Leverage Ratio.
Requires Federal banking agencies to tailor regulations to the risk profiles of institutions.
Creates an Office of Independent Examination Review to oversee bank examinations.
Modifies the Bank Holding Company Act to streamline the approval process for bank mergers.
Requires annual reports on new bank applications and regulatory actions.
Directs the Federal banking agencies to study the low number of de novo insured depository institutions and propose ways to increase them.

Who is affected

Depository Institutions (Banks, Credit Unions)
Federal Banking Agencies (Federal Reserve, FDIC, OCC, NCUA)
Community Banks
Financial Institutions

Bill text

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Jan 7, 2026XMLView source

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Legislative history

22 recorded actions · showing the most recent 12

Jul 21, 2026House

On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271). (text of amendment in the nature of a substitute: CR H4708-4722)

Jul 21, 2026

Passed/agreed to in House: On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271).

Jul 21, 2026House

On motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).

Jul 21, 2026House

Considered as unfinished business. (consideration: CR H5018-5019)

Jul 21, 2026House

POSTPONED PROCEEDINGS - At the conclusion of debate on H.R. 6955, the Chair put the question on motion to recommit and by voice vote, announced that the noes had prevailed. Ms. Garcia (TX) demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.

Jul 21, 2026House

The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.

Jul 21, 2026House

Ms. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)

Jul 21, 2026House

The previous question was ordered pursuant to the rule.

Jul 21, 2026House

DEBATE - The House proceeded with one hour of debate on H.R. 6955.

Jul 21, 2026House

Rule provides for consideration of H.R. 8800, H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955 and H.R. 9770. The resolution provides for consideration of H.R. 8800 under a structured rule and for consideration of H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955, and H.R. 9770 under a closed rule, with one hour of debate on each measure and one motion to recommit on H.R. 8800, H.R. 8884, H.R. 7008, H.R. 6955, and H.R. 9770.

Jul 21, 2026House

Considered under the provisions of rule H. Res. 1438. (consideration: CR H4707-4731)

Jul 22, 2026Senate

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Votes

Recorded roll calls and chamber actions on this bill.

Vote map

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Nay

Yea

Floor votes and chamber actions

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Recorded roll calls

Geography

Recorded positions across the country.

No public positions recorded for this legislation.

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Main Street Capital Access Act

Progress