Bill · S. 3849· Senate(119-S-3849)
Community Bank Relief Act
- Introduced
- 2/11/2026
- Last activity
- 2/11/2026 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Ted Cruz
- Cosponsors
- - 1 - 0
- Introduced
- In Committee
What this bill would do
This bill, known as the Community Bank Relief Act, seeks to amend the Electronic Fund Transfer Act. The primary goal is to adjust certain thresholds for inflation. It establishes a process for adjusting the amount described in subparagraph (A) based on the Consumer Price Index. These adjustments are scheduled to occur annually starting no later than July 1, 2026. The bill also includes a specific exception for the initial adjustment to account for changes between October 2009 and October 2025.
Yes· 3 of 4
Does this give people more protection from unfair business practices?+2
The bill maintains the relevance of transaction thresholds by indexing them to inflation, which helps prevent the erosion of consumer protections over time.
Would households on low incomes be better off under this?+1
Keeping regulatory thresholds current with inflation protects low-income consumers from the devaluing of financial safeguards.
Would middle-income households be better off under this?+1
Inflation-adjusted thresholds help maintain the efficacy of financial regulations affecting middle-income households.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Inflation-adjusted thresholds: The bill implements a mechanism where specific amounts are adjusted by the annual percentage increase in the Consumer Price Price Index, which ensures that thresholds stay current with economic changes (Section 2, subparagraph (B)(i)).
Potential Negative Impacts for People
- No negative impacts are explicitly detailed in the text provided.
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 Low Income Households+1Good For Middle Class Households+1Good For Urban Residents+1
- Economy And Finance
- Improves Consumer Protection+2
- 2/11/2026
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 1 Cosponsor added.
- Introduced in Senate
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.
Katie BrittRepublican · Alabama