HR 6536 Re-checks Congress.gov for new actions and updates the bill's status, and fills in any sponsors, committees, or related bills that are missing. It does not re-pull sponsors/cosponsors/committees/related — those rarely change — and it skips all work if nothing has changed upstream, so it's cheap to click.
Rural Depositories Revitalization Study Act
H. R. 6536 To require the Federal banking agencies to study improving the growth, capital adequacy, and profitability of rural depository institutions, and for other purposes.
Summary
The bill would require the Federal Reserve Board, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation to jointly conduct a study on ways to improve the growth, capital adequacy, and profitability of depository institutions that primarily serve rural areas. The study would also identify federal laws and regulations that limit the methods identified to improve rural depository institutions or that limit the establishment of new depository institutions in rural areas. The federal banking agencies would be required to submit a report to Congress within one year of enactment containing their findings and determinations from the study. The bill uses the definition of "rural" established in federal regulations and defines depository institutions according to the Federal Deposit Insurance Act.
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)
- Rep. Norman, Ralph [R-SC-5] (R-SC)
3 cosponsors
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ)
- Rep. Moore, Tim [R-NC-14] (R-NC)
- Rep. Rose, John W. [R-TN-6] (R-TN)
Actions (7)
- Feb 2, 2026 Placed on the Union Calendar, Calendar No. 404. · house
- Feb 2, 2026 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-473. · house
- Dec 17, 2025 Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 0. · house
- Dec 17, 2025 Committee Consideration and Mark-up Session Held · house
- Dec 16, 2025 Committee Consideration and Mark-up Session Held · house
- Dec 9, 2025 Referred to the House Committee on Financial Services. · house
- Dec 9, 2025 Introduced in House
More bills on these subjects (8)
Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).
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.
Full text
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
Comments