91 HR 6955 RH: Main Street Capital Access Act U.S. House of Representatives 2026-04-20 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.

IBUnion Calendar No. 535119th CONGRESS2d SessionH. R. 6955[Report No. 119–617]IN THE HOUSE OF REPRESENTATIVESJanuary 7, 2026Mr. Hill of Arkansas (for himself, Mr. Barr, Mr. Huizenga, Mr. Lucas, Mr. Sessions, Mrs. Wagner, Mr. Williams of Texas, Mr. Emmer, Mr. Loudermilk, Mr. Davidson, Mr. Rose, Mr. Steil, Mr. Timmons, Mr. Stutzman, Mr. Norman, Mr. Meuser, Mrs. Kim, Mr. Donalds, Mr. Garbarino, Mr. Fitzgerald, Mr. Flood, Mr. Lawler, Ms. De La Cruz, Mr. Ogles, Mr. Nunn of Iowa, Mrs. McClain, Ms. Salazar, Mr. Downing, Mr. Haridopolos, and Mr. Moore of North Carolina) introduced the following bill; which was referred to the Committee on Financial ServicesApril 20, 2026Additional sponsors: Mr. Kennedy of Utah, Mr. Knott, Mr. Calvert, and Mrs. FedorchakApril 20, 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 January 7, 2026A BILLTo make improvements to the Federal banking laws, and for other purposes.

1.

Short title; table of contents

(a)

Short title

This Act may be cited as the Main Street Capital Access Act or the Main Street Act.(b)

Table of contents

The table of contents for this Act is as follows:Sec. 1. Short title; table of contents.Title I—New Bank Formation and Local Community AccessSec. 101. Promoting New Bank Formation.Sec. 102. New Bank Application Numbers Knowledge.Sec. 103. Rural Depositories Revitalization Studies.Sec. 104. Community Investment and Prosperity.Sec. 105. CDFI Fund Transparency.Sec. 106. CDFI Bond Guarantee Improvement.Title II—Tailoring Bank RegulationSec. 201. Taking Account of Institutions with Low Operation Risk.Sec. 202. Small Bank Holding Company Relief.Sec. 203. Community Bank Leverage Improvement and Flexibility for Transparency.Sec. 204. Tailoring and Indexing Enhanced Regulations.Sec. 205. Community Bank Regulatory Tailoring.Sec. 206. Credit Union Board Modernization.Title III—Fair and Transparent Bank SupervisionSec. 301. Halting Uncertain Methods and Practices in Supervision.Sec. 302. Fair Audits and Inspections for Regulators’ Exams.Sec. 303. Supervisory Modifications for Appropriate Risk-based Testing.Sec. 304. Tailored Regulatory Updates for Supervisory Testing.Sec. 305. Financial Integrity and Regulation Management.Title IV—Regulatory Accountability and TransparencySec. 401. FDIC Board Accountability.Sec. 402. Stop Agency Fiat Enforcement of Guidance.Sec. 403. Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow.Sec. 404. American Financial Institution Regulatory Sovereignty and Transparency.Title V—Strengthening Local Bank FundingSec. 501. Bringing the Discount Window into the 21st Century.Sec. 502. Keeping Deposits Local.Sec. 503. Community Bank Deposit Access.Title VI—Promoting Bank Competition and Merger ClaritySec. 601. Bank Competition Modernization.Sec. 602. Merger Agreement Approvals Clarity and Predictability.Sec. 603. Merger Process Review.Sec. 604. Bank Failure Prevention.Title VII—Strengthening Transparency and Involvement in Bank ResolutionsSec. 701. Least Cost Exception.Sec. 702. Enhancing Bank Resolution Participation.Sec. 703. Failing Bank Acquisition Fairness.Sec. 704. Systemic Risk Authority Transparency.Title VIII—Facilitating Innovation and Bank PartnershipsSec. 801. Merchant Banking Modernization.Sec. 802. Bank-Fintech Partnership Enhancement.

April 20, 2026Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed