Bill · H.R. 6536· House(119-HR-6536)
Rural Depositories Revitalization Study Act
- Introduced
- 12/9/2025
- Last activity
- 2/2/2026 — Placed on the Union Calendar, Calendar No. 404.
- Sponsored by
- Ralph Norman
- Cosponsors
- - 2 - 1
- Introduced
- On Calendar
What this bill would do
This bill, known as the ``Rural Depositories Revitalization Study Act'', directs Federal banking agencies to conduct a joint study. The study focuses on ways to improve the growth, capital adequacy, and profitability of depository institutions that primarily serve rural areas. Additionally, the study aims to identify federal statutes or regulations that might be limiting these methods or the establishment of new de novo depository institutions in rural locations. The Federal banking agencies are required to issue a report containing their findings to Congress within one year of the Act's enactment.
Yes· 3 of 6
Would people in rural areas be better off under this?+3
The bill specifically targets the improvement of depository institutions that serve rural areas to enhance their growth and profitability.
Is this likely to create jobs?+2
The study seeks to identify ways to facilitate the establishment of new de novo depository institutions in rural areas.
Does this make it easier to run a small business?+2
By studying how to improve the profitability and growth of rural depository institutions, the bill aims to support the financial infrastructure of small businesses in those areas.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Improving rural banking stability: The study aims to identify methods to improve the growth, capital adequacy, and profitability of institutions serving rural areas (Section 2(a)(1)). This could lead to more stable financial services for people living in these communities.
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Removing barriers to new banks: The study will look for statutes or regulations that limit the establishment of de novo depository institutions in rural areas (Section 2(a)(2)(B)). This could make it easier for new banking institutions to start operating in rural communities.
Potential Negative Impacts for People
- No specific negative impacts are listed 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 Rural Residents+3Good For Low Income Households+1Good For Middle Class Households+1
- Economy And Finance
- Improves Small Business Support+2Increases Job Creation+2
- Environment Energy And Infrastructure
- Improves Rural Development+2
- 2/2/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-473.
- Placed on the Union Calendar, Calendar No. 404.
- 1/7/2026
- 1 Cosponsor added.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 0.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 12/15/2025
- 2 Cosponsors added.
- 12/9/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Josh GottheimerDemocrat · New Jersey
Tim MooreRepublican · North Carolina
John RoseRepublican · Tennessee