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To amend the Electronic Fund Transfer Act to adjust certain thresholds for inflation.
Summary
This bill amends the Electronic Fund Transfer Act to adjust thresholds related to payment card fees for inflation. Beginning July 1, 2026, and every January thereafter, the thresholds would be adjusted based on the annual change in the Consumer Price Index for October. In the initial adjustment, thresholds would be adjusted based on cumulative inflation from October 2009 to October 2025. These adjustments ensure that payment card fee regulations keep pace with inflation over time.
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. Barr, Andy [R-KY-6] (R-KY)
1 cosponsor
- Rep. Schmidt, Derek [R-KS-2] (R-KS)
Money behind the sponsor
Top reported contributors to Andy Barr’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $274,323
- BANC OF CALIFORNIA $60,083
- APOLLO GLOBAL MANAGEMENT $32,200
- BLACKSTONE $28,900
- WELLS FARGO $23,366
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Andy Barr → · Outside spending →
Actions (2)
- Feb 11, 2026 Referred to the House Committee on Financial Services. · house
- Feb 11, 2026 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.
Full text
IN THE HOUSE OF REPRESENTATIVES
February 11, 2026
Mr. Barr introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To amend the Electronic Fund Transfer Act to adjust certain thresholds for inflation.
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 Bank Relief Act”.
SEC. 2. REASONABLE FEES AND RULES FOR PAYMENT CARD TRANSACTIONS.
Section 921(a)(6) of the Electronic Fund Transfer Act (15 U.S.C. 1693o-2(a)(6)) is amended—
(1) by redesignating subparagraph (B) as subparagraph (C); and
(2) by inserting after subparagraph (A) the following:
“(B) Inflation adjustments.—
“(i) In general.—Except as provided in clause (ii), not later than July 1, 2026, and not later than January 15 of every year thereafter, the amount described in subparagraph (A) shall be adjusted by the annual percentage increase in the Consumer Price Index for the month of October.
“(ii) Exception.—Prior to the first adjustment made under clause (i), the Board shall adjust the amount described in subparagraph (A) by the percentage by which—
“(I) the Consumer Price Index for October 2025, exceeds
“(II) the Consumer Price Index for October 2009.”. <all>
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