119 HR 6536 IH: Rural Depositories Revitalization Study Act U.S. House of Representatives 2025-12-09 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.

I119th CONGRESS1st SessionH. R. 6536IN THE HOUSE OF REPRESENTATIVESDecember 9, 2025Mr. Norman introduced the following bill; which was referred to the Committee on Financial ServicesA BILLTo 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 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 6 months 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.