H.R. 6536 Reported by committee Finance and Financial Sector

Rural Depositories Revitalization Study Act

To require the Federal banking agencies to study improving the growth, capital adequacy, and profitability of rural depository institutions, and for other purposes.

  1. Introduced
  2. Committee
  3. Passed House
  4. Passed Senate
  5. To President
  6. Became law
Sponsor Rep. Norman, Ralph [R-SC-5] Introduced December 9, 2025 Cosponsors 3 (1 D, 2 R) Latest action February 2, 2026

Summary

Rural Depositories Revitalization Study Act
This bill requires federal banking agencies to study and report on approaches to support rural depository institutions.
Specifically, the Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation must jointly (1) study and report on methods to improve the growth, capital adequacy, and profitability of rural depository institutions; and (2) identify statutes and regulations that limit such methods or prevent the establishment of new rural depository institutions. 

Summary by the Congressional Research Service, Library of Congress.

Congress.gov

Actions

  1. Feb 2, 2026 Placed on the Union Calendar, Calendar No. 404.
  2. Feb 2, 2026 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-473.
  3. Dec 17, 2025 Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 0.
  4. Dec 17, 2025 Committee Consideration and Mark-up Session Held
  5. Dec 16, 2025 Committee Consideration and Mark-up Session Held
  6. Dec 9, 2025 Referred to the House Committee on Financial Services.
  7. Dec 9, 2025 Introduced in House

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