Bill · H.R. 5276· House(119-HR-5276)
Community Bank LIFT Act
- Introduced
- 9/10/2025
- Last activity
- 11/4/2025 — Placed on the Union Calendar, Calendar No. 319.
- Sponsored by
- Young Kim
- Cosponsors
- None
- Introduced
- On Calendar
What this bill would do
The Community Bank LIFT Act aims to amend the Economic Growth, Regulatory Relief, and Consumer Protection Act. It seeks to adjust the Community Bank Leverage Ratio by increasing the asset threshold and changing the required percentage range. The bill mandates that federal agencies conduct a review of the ratio to encourage more community banks to opt-in. This review includes focusing on banks with fewer assets and providing relief from regulatory compliance burdens. Finally, the agencies are required to propose and finalize rules based on their findings.
Yes· 3 of 5
Would business owners be better off under this?+5
The bill assists community bank owners by reducing regulatory compliance burdens and increasing asset thresholds for eligibility.
Does this make it easier to run a small business?+4
The bill reduces regulatory burdens and increases asset thresholds to specifically benefit smaller community banks.
Would people in rural areas be better off under this?+3
By supporting community banks, the bill helps maintain local lending institutions that are vital to rural economic development.
The opposite
Does this give the federal government more power?-1
The bill directs federal agencies to conduct reviews and finalize rules, maintaining central regulatory authority over bank standards.
Who it would affect, and how
Potential Positive Impacts for People
-
Increased Threshold for Community Banks: Section 2(a)(1) increases the threshold from $10,000,000,000 to $15,000,000,000, which adjusts how banks qualify.
-
Adjusted Leverage Ratio Requirements: Section 2(a)(2) changes the required ratio from a range of not less than 8 percent and not more than 10 percent to a range of not less than 6 percent and not more than 8 percent.
-
Regulatory Compliance Burden Relief: Section 3(a)(2) seeks to provide relief so that the Community Bank Leverage Ratio is simple to apply, which may benefit qualifying community banks with fewer assets.
Potential Negative Impacts for People
- No negative impacts or burdens are explicitly stated in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Business Owners+5Good For Rural Residents+3
- Economy And Finance
- Improves Small Business Support+4Improves Economic Growth+3Improves Fiscal Responsibility+1
- Governance And Ideology
- Increases Federal Power-1
- 11/4/2025
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-367.
- Placed on the Union Calendar, Calendar No. 319.
- 9/16/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.
- 9/10/2025
- Referred to the House Committee on Financial Services.
- Introduced in House