H.R. 6536 — Reported in House

IB Union Calendar No. 404 119th CONGRESS 2d Session H. R. 6536 [Report No. 119–473] IN THE HOUSE OF REPRESENTATIVES December 9, 2025Mr. Norman introduced the following bill; which was referred to the Committee on Financial Services February 2, 2026Additional sponsors: Mr. Rose, Mr. Gottheimer, and Mr. Moore of North Carolina February 2, 2026Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printedStrike out all after the enacting clause and insert the part printed in italicFor 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. 1. Short title This Act may be cited as the Rural Depositories Revitalization Study Act. 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. February 2, 2026Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed