Rural Depositories Revitalization Study Act
Summary
This bill would direct federal banking agencies to jointly conduct a study on how to improve rural banks' growth, financial strength, and profitability. The study would also identify federal laws and regulations that limit rural banks' ability to operate and expand, as well as barriers to starting new banks in rural communities. The agencies would need to submit their findings and recommendations to Congress within one year of the bill becoming law. If enacted, this bill would not directly change banking rules but would provide Congress with information to consider future policy changes aimed at supporting rural financial institutions that serve as important sources of banking services in small communities.
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Lifecycle of the Bill
Committee Consideration and Mark-up Session Held
Dec 16, 2025
Dec 16, 2025 · 15:00
Various Measures
Summary
On December 16, 2025, the House Committee on Financial Services held a session to examine various financial services and housing measures. The bills under consideration included H.R. 4130 (Small Business Relief Act), which would exclude certain institutional investors from registration thresholds; H.R. 1078 (Respect State Housing Laws Act), which would eliminate a federal 30-day eviction notice requirement for federally-backed housing; H.R. 6644 (Housing for the 21st Century Act), a bipartisan housing package addressing housing supply and affordability; H.R. 4646 (Whistleblower Protection Act of 2025), extending protections to HUD-funded contracts; H.R. 6552 (Bank-Fintech Partnership Enhancement Act), requiring a study on bank-fintech partnerships; and several other bills addressing banking regulations and rural housing. The committee also considered H.R. 6550 (American FIRST Act), H.R. 6544 (REVIEW Act), H.R. 6536 (Rural Depositories Revitalization Study Act), and H.R. 6547 (Least Cost Exception Act). These bills reflect the committee's focus on reducing regulatory burdens, expanding housing supply, strengthening community banks, and protecting whistleblowers. The hearing did not guarantee advancement of any bills, as they still required committee votes and further legislative action.
Video
Committee Consideration and Mark-up Session Held
Dec 17, 2025
Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 0.
Dec 17, 2025
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-473.
Feb 2, 2026
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-473.
Feb 2, 2026
