Bill · H.R. 6554· House(119-HR-6554)
Community Bank Representation Act
- Introduced
- 12/10/2025
- Last activity
- 2/25/2026 — Placed on the Union Calendar, Calendar No. 458.
- Sponsored by
- Monica De La Cruz
- Cosponsors
- - 3 - 0
- Introduced
- On Calendar
What this bill would do
The Community Bank Representation Act seeks to amend the Federal Reserve Act to define specific roles within the Board of Governors. It requires the Chairman to select a member with primary experience in or supervising community banks to develop policy recommendations. This selected member will oversee the supervision and regulation of banking organizations with less than $17,000,000,000 in total assets. This member may be required to appear before specific House and Senate committees for semi-annual hearings. Additionally, the bill includes a provision for an annual threshold adjustment based on the nominal gross domestic product of the United States.
Yes· 3 of 4
Would business owners be better off under this?+5
The bill provides specialized oversight and policy development tailored specifically to the needs of community banks.
Does this make it easier to run a small business?+5
The bill mandates a specific Board member to oversee the supervision and regulation of banking organizations with assets under $17 billion, providing dedicated focus on community banks.
Does this make what the government does easier for the public to see?+4
The bill requires the community bank member to appear before House and Senate committees for semi-annual hearings to report on their activities and plans.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Increased Oversight for Smaller Banks: The bill establishes a member of the Board specifically tasked to develop policy recommendations and oversee the supervision of banking organizations with less than $17,000,000,000 in total assets (Section 2(a)(2)).
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Increased Accountability through Hearings: The selected community bank member may be required to appear before the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs at semi-annual hearings to report on their activities and plans (Section 2(a)(3)).
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Automatic Threshold Adjustments: The Board is required to adjust specific dollar figures annually based on the increase in the nominal gross domestic product of the United States (Section 2(a)(4)).
Potential Negative Impacts for People
- No specific negative impacts 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+5
- Governance And Ideology
- Improves Government Transparency+4
- 2/25/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-533.
- Placed on the Union Calendar, Calendar No. 458.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 22.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 2 Cosponsors added.
- 12/12/2025
- 1 Cosponsor added.
- 12/10/2025
- 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.
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