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Community Investment and Prosperity Act
To allow the Comptroller of the Currency and the Board of Governors of the Federal Reserve System to increase the aggregate amount of investments that a national banking association and a State member bank may make to promote the public welfare, and for other purposes.
Summary
The Community Investment and Prosperity Act increases the aggregate amount of investments that national banking associations and State member banks may make to promote the public welfare. The bill amends section 5136 of the Revised Statutes, which governs national banks' public welfare investments, changing the aggregate limit from 15 percent to 20 percent of capital. It makes the same change to the parallel provision in the Federal Reserve Act that applies to State member banks. These changes allow national banks and State member banks to direct a larger percentage of their capital toward community investment and public welfare initiatives.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
8 cosponsors
Actions (2)
- Nov 4, 2025 Referred to the House Committee on Financial Services. · house
- Nov 4, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
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Full text
IN THE HOUSE OF REPRESENTATIVES
November 4, 2025
Mr. Lawler (for himself, Mrs. Beatty, and Mrs. Kim) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To allow the Comptroller of the Currency and the Board of Governors of the Federal Reserve System to increase the aggregate amount of investments that a national banking association and a State member bank may make to promote the public welfare, 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 “Community Investment and Prosperity Act”.
SEC. 2. INVESTMENTS TO PROMOTE THE PUBLIC WELFARE.
(a) Revised Statutes.—The paragraph designated as the “Eleventh” of section 5136 of the Revised Statutes of the United States (12 U.S.C.
24) is amended, in the fifth sentence, by striking “15” each place the term appears and inserting “20”.
(b) Federal Reserve Act.—The 23rd paragraph of section 9 of the Federal Reserve Act (12 U.S.C. 338a) is amended, in the fifth sentence, by striking “15” each place the term appears and inserting “20”. <all>
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