Rural Depositories Revitalization Study Act

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 6536 Reported in House (RH)] <DOC> Union Calendar No. 404 119th CONGRESS 2d Session H. R. 6536 [Report No. 119-473] To require the Federal banking agencies to study improving the growth, capital adequacy, and profitability of rural depository institutions, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES December 9, 2025 Mr. Norman introduced the following bill; which was referred to the Committee on Financial Services February 2, 2026 Additional sponsors: Mr. Rose, Mr. Gottheimer, and Mr. Moore of North Carolina February 2, 2026 Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed [Strike out all after the enacting clause and insert the part printed in italic] [For text of introduced bill, see copy of bill as introduced on December 9, 2025] _______________________________________________________________________ A BILL To require the Federal banking agencies to study improving the growth, capital adequacy, and profitability of rural depository institutions, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Rural Depositories Revitalization Study Act''. SEC. 2. STUDY ON IMPROVING THE GROWTH, CAPITAL ADEQUACY, AND PROFITABILITY OF RURAL DEPOSITORY INSTITUTIONS. (a) Study.--The Federal banking agencies shall, jointly, carry out a study-- (1) to identify methods to improve the growth, capital adequacy, and profitability of depository institutions in the United States that primarily serve rural areas; and (2) to identify Federal statutes (other than appropriations Acts) or regulations of the Federal banking agencies that limit-- (A) the methods identified under paragraph (1); or (B) the establish