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S 3849
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Community Bank Relief Act

To amend the Electronic Fund Transfer Act to adjust certain thresholds for inflation.

Introduced Feb 11, 2026

Latest action (Feb 11, 2026) Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Referred to
Banking, Housing, and Urban Affairs Committee
Policy area
Finance and Financial Sector
Issues
Economy & Taxes

Summary
  • Amends the Electronic Fund Transfer Act to require automatic annual inflation adjustments to payment card transaction fee thresholds.
  • Specifies that adjustments begin July 1, 2026, and occur every January 15 thereafter, based on the annual percentage increase in the Consumer Price Index for October.
  • Requires the Federal Reserve Board to make an initial one-time adjustment reflecting cumulative inflation from October 2009 to October 2025 before the regular annual adjustments take effect.

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)
1 cosponsor

Actions (2)
  1. Feb 11, 2026 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
  2. Feb 11, 2026 Introduced in Senate

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.

  • HR 7484 — Community Bank Relief Act · Introduced Feb 11, 2026 · Cong. 119 94%
  • HR 7056 — Community Bank Regulatory Tailoring Act · Introduced Mar 19, 2026 · Cong. 119 70%
  • S 3017 — STREAMLINE Act · Introduced Oct 20, 2025 · Cong. 119 63%
  • S 4850 — Diversity Jurisdiction Inflation Adjustment Act · Passed Senate Aug 10, 2026 · Cong. 119 61%
  • HR 5317 — Community Bank Deposit Access Act of 2025 · Passed House May 21, 2026 · Cong. 119 60%
  • S 3880 — Small Business Investor Capital Access Act · Introduced Feb 12, 2026 · Cong. 119 59%

Full text

IN THE SENATE OF THE UNITED STATES

February 11, 2026

Mr. Cruz (for himself and Mrs. Britt) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

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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