Bills · HR 6536
REPORTED· 119TH CONGRESS
House BillHR 6536Rural conditions and developmentGovernment studies and investigations
Rural Depositories Revitalization Study Act
INTRO DEC 9· LAST ACTION FEB 2
READING
2MIN
COSPONSORS
3BIPARTISAN
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Reported, not passed
LEGISLATIVE PROGRESS
STEP 3 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it addresses concerns about the health and availability of financial services in rural America. Many rural communities rely on local banks for loans to buy homes, start businesses, and manage their finances. If these institutions struggle, it can limit economic opportunities and access to essential services for residents.
If this bill becomes law, it will force federal regulators to thoroughly investigate the challenges faced by rural banks and identify specific solutions or problematic regulations. This could lead to future policy changes that support rural economies and ensure people in less populated areas have access to the banking services they need. Without this bill, there wouldn't be a mandatory, comprehensive federal study focused specifically on these issues, potentially leaving underlying problems unaddressed.
KEY PROVISIONS
4AI-extractedPROVISION 01
Requires the Federal banking agencies (Federal Reserve, Comptroller of the Currency, and FDIC) to jointly conduct a study.
This ensures a unified and comprehensive review of rural banking challenges by the key regulatory bodies.
PROVISION 02
The study must identify methods to improve the growth, capital adequacy, and profitability of rural depository institutions.
This provision focuses the study on core financial health and expansion for rural banks.
PROVISION 03
The study must identify federal statutes or regulations that limit these improvements or the establishment of new rural banks.
This aims to pinpoint specific government rules that may be hindering rural financial institutions.
PROVISION 04
The Federal banking agencies must submit a report to Congress with their findings within 1 year of the bill becoming law.
This ensures accountability and provides Congress with actionable information for potential legislative changes.
SPONSORSHIP
1 + 3
R· South Carolina
YRS IN OFFICE
9
BILLS LED
22
COSPONSOR BREAKDOWNBIPARTISAN · 66%
DEM 1 REP 2 IND 0
ACTION TIMELINE
7 EVENTSFEB 2
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-473.
FEB 2
Placed on the Union Calendar, Calendar No. 404.
DEC 17
Committee Consideration and Mark-up Session Held
DEC 17
Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 0.
BILL INFO
TypeHouse Bill
NumberHR 6536
Congress119th
StatusReported
IntroducedDec 9, 2025
Last actionFeb 2, 2026
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REPORTED· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED DEC 9, 2025
House BillHR 6536Rural conditions and developmentGovernment studies and investigations
Rural Depositories Revitalization Study Act
INTRODUCED DEC 9, 2025· LAST ACTION FEB 2, 2026
PASSAGE CHANCES
—%
READING
2 min
COSPONSORS
3
COMPLEXITY
Moderate
