or the Main Street Act This bill lessens and otherwise modifies banking regulations, including those regarding institution formation, supervision by federal financial regulators, and bank merger requirements. Under the bill, new banks have a three-year phase-in period to meet certain capital requirements. The bill also reduces the leverage ratio for certain rural community banks. Financial regulators must (1) tailor regulatory actions to limit burdens on financial institutions and must consider the institutions' risk profiles and business models, and (2) review their regulations more frequently and expand the scope of these reviews. The bill eases requirements regarding bank mergers, for example, by allowing financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic. The bill increases the dollar asset thresholds for various fees, reporting requirements, and other regulatory requirements so that more financial companies and banks are exempt from these requirements. For example, the bill increases the total asset threshold above which financial holding companies need Federal Reserve Board approval to acquire a company, thereby allowing for more acquisitions without board approval. The bill also raises certain asset thresholds so as to allow additional small bank holding companies to operate with higher debt levels and additional small banks to qualify for a longer examination cycle. The bill also provides flexibilities regarding the use of reciprocal deposits, the resolution of failed banks, and other regulated activities.

Full bill text →

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SubjectsAccounting and auditingAdministrative law and regulatory proceduresAdministrative remediesAdvisory bodiesBank accounts, deposits, capitalBanking and financial institutions regulationBusiness ethicsBusiness recordsCongressional oversightConsumer Financial Protection BureauCorporate finance and managementCredit and credit marketsCurrencyData collection, sharing, protectionEconomic performance and conditionsFederal Deposit Insurance Corporation (FDIC)Federal Reserve SystemFinancial crises and stabilizationFinancial services and investmentsForeign and international bankingFraud offenses and financial crimesGovernment ethics and transparency, public corruptionGovernment information and archivesGovernment lending and loan guaranteesGovernment studies and investigationsJudicial review and appealsMonetary policyNational Credit Union AdministrationPerformance measurementRural conditions and developmentUser charges and fees

XML scalars

congress: 119
type: HR
number: 6955
originChamber: House
originChamberCode: H
introducedDate: 2026-01-07
updateDate: 2026-09-19T23:16:46Z
updateDateIncludingText: 2026-09-19T23:16:46Z
title: Main Street Capital Access Act
legislationUrl: https://www.congress.gov/bill/119th-congress/house-bill/6955

Constitutional authority statement (CDATA)

[Congressional Record Volume 172, Number 4 (Wednesday, January 7, 2026)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. HILL of Arkansas:H.R. 6955.Congress has the power to enact this legislation pursuantto the following:Article I Section 8 of the Constitution[Page H135]

Pipeline

Track

federal_terminal

Stage

Final Outcome

Stage rank

Sponsor

Rep. Hill, J. French [R-AR-2] · [R-AR-2] · H001072
Rep-AR-2 current · 6 terms · @RepFrenchHill · 2 district offices

Sponsor record (congress_legislators)

Bio (legislators)

bioguide

H001072

status

current

official_full

J. French Hill

first

middle

French

last

Hill

suffix

null

nickname

null

birthday

1956-12-05

gender

Current term (6 total)

type

rep

state

district

class

null

party

Republican

caucus

null

start

2025-01-03

end

2027-01-03

end_type

null

how

null

url

https://hill.house.gov

address

1533 Longworth House Office Building Washington DC 20515-0402

office

1533 Longworth House Office Building

phone

202-225-2506

fax

null

contact_form

null

rss_url

null

Leadership roles (0)

none

Committee memberships (4)

House Committee on Financial Services (house) · house · Chair · rank 1 · site
House Permanent Select Committee on Intelligence (house) · house · rank 7 · site
National Intelligence Enterprise (house) · house · rank 3
National Security Agency and Cyber (house) · house · rank 4

Social media

Twitter: @RepFrenchHill
Facebook: @RepFrenchHill
Instagram: @repfrenchhill

District offices (2)

1501 N. University Ave., Suite 630, Little Rock, AR, 72207 · 501-324-5941 · fax 501-324-6029 · 34.76512630000001,-92.3397715
900 Oak Street, Conway, AR, 72032 · 501-902-5733 · fax 501-324-6029 · 35.0919384,-92.4379742

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id

H4AR02141

cycle

2026

name

HILL, JAMES FRENCH

party

REPUBLICAN PARTY

office

House

state

district

incumbent_challenge

Incumbent

candidate_status

active_through

2026

election_year

null

first_file_date

2013-10-29

last_file_date

2026-02-24

last_f2_date

2026-02-24

address

null

Candidate summary (candidate_summaries) · cycle 2026

cycle

2026

total_receipts

$4,421,509.93

total_disbursements

$2,830,320.69

cash_on_hand_end_period

$2,967,541.43

debts_owed_by_committee

$0.00

coverage_start_date

2025-01-01

coverage_end_date

2026-06-30

Connected committees (0)

none

Cosponsors (33)

Rep. Barr, Andy [R-KY-6] · [R-KY-6] · B001282 · Co-sponsored 2026-01-07 · original
Rep-KY-6 current · 7 terms · @RepAndyBarr · 1 district office
Rep. Huizenga, Bill [R-MI-4] · [R-MI-4] · H001058 · Co-sponsored 2026-01-07 · original
Rep-MI-4 current · 8 terms · @RepHuizenga · 2 district offices
Rep. Lucas, Frank D. [R-OK-3] · [R-OK-3] · L000491 · Co-sponsored 2026-01-07 · original
Rep-OK-3 current · 17 terms · @RepFrankLucas · 1 district office
Rep. Sessions, Pete [R-TX-17] · [R-TX-17] · S000250 · Co-sponsored 2026-01-07 · original
Rep-TX-17 current · 14 terms · @PeteSessions · 5 district offices
Rep. Wagner, Ann [R-MO-2] · [R-MO-2] · W000812 · Co-sponsored 2026-01-07 · original
Rep-MO-2 current · 7 terms · @RepAnnWagner · 2 district offices
Rep. Williams, Roger [R-TX-25] · [R-TX-25] · W000816 · Co-sponsored 2026-01-07 · original
Rep-TX-25 current · 7 terms · @RepRWilliams · 2 district offices
Rep. Emmer, Tom [R-MN-6] · [R-MN-6] · E000294 · Co-sponsored 2026-01-07 · original
Rep-MN-6 current · 6 terms · @RepTomEmmer · 2 district offices
Rep. Loudermilk, Barry [R-GA-11] · [R-GA-11] · L000583 · Co-sponsored 2026-01-07 · original
Rep-GA-11 current · 6 terms · @RepLoudermilk · 2 district offices
Rep. Davidson, Warren [R-OH-8] · [R-OH-8] · D000626 · Co-sponsored 2026-01-07 · original
Rep-OH-8 current · 6 terms · @WarrenDavidson · 2 district offices
Rep. Rose, John W. [R-TN-6] · [R-TN-6] · R000612 · Co-sponsored 2026-01-07 · original
Rep-TN-6 current · 4 terms · @RepJohnRose · 2 district offices
Rep. Steil, Bryan [R-WI-1] · [R-WI-1] · S001213 · Co-sponsored 2026-01-07 · original
Rep-WI-1 current · 4 terms · @RepBryanSteil · 6 district offices
Rep. Timmons, William R. [R-SC-4] · [R-SC-4] · T000480 · Co-sponsored 2026-01-07 · original
Rep-SC-4 current · 4 terms · @RepTimmons · 1 district office
Rep. Stutzman, Marlin A. [R-IN-3] · [R-IN-3] · S001188 · Co-sponsored 2026-01-07 · original
Rep-IN-3 current · 5 terms · @RepStutzman · 1 district office
Rep. Norman, Ralph [R-SC-5] · [R-SC-5] · N000190 · Co-sponsored 2026-01-07 · original
Rep-SC-5 current · 5 terms · @RepRalphNorman · 1 district office
Rep. Meuser, Daniel [R-PA-9] · [R-PA-9] · M001204 · Co-sponsored 2026-01-07 · original
Rep-PA-9 current · 4 terms · @RepMeuser · 7 district offices
Rep. Kim, Young [R-CA-40] · [R-CA-40] · K000397 · Co-sponsored 2026-01-07 · original
Rep-CA-40 current · 3 terms · @RepYoungKim · 2 district offices
Rep. Donalds, Byron [R-FL-19] · [R-FL-19] · D000032 · Co-sponsored 2026-01-07 · original
Rep-FL-19 current · 3 terms · @RepDonaldsPress · 2 district offices
Rep. Garbarino, Andrew R. [R-NY-2] · [R-NY-2] · G000597 · Co-sponsored 2026-01-07 · original
Rep-NY-2 current · 3 terms · @RepGarbarino · 1 district office
Rep. Fitzgerald, Scott [R-WI-5] · [R-WI-5] · F000471 · Co-sponsored 2026-01-07 · original
Rep-WI-5 current · 3 terms · @RepFitzgerald · 1 district office
Rep. Flood, Mike [R-NE-1] · [R-NE-1] · F000474 · Co-sponsored 2026-01-07 · original
Rep-NE-1 current · 3 terms · @USRepMikeFlood · 1 district office
Rep. Lawler, Michael [R-NY-17] · [R-NY-17] · L000599 · Co-sponsored 2026-01-07 · original
Rep-NY-17 current · 2 terms · @RepMikeLawler · 2 district offices
Rep. De La Cruz, Monica [R-TX-15] · [R-TX-15] · D000594 · Co-sponsored 2026-01-07 · original
Rep-TX-15 current · 2 terms · @RepMonicaDLC · 8 district offices
Rep. Ogles, Andrew [R-TN-5] · [R-TN-5] · O000175 · Co-sponsored 2026-01-07 · original
Rep-TN-5 current · 2 terms · @repogles · 1 district office
Rep. Nunn, Zachary [R-IA-3] · [R-IA-3] · N000193 · Co-sponsored 2026-01-07 · original
Rep-IA-3 current · 2 terms · @ZachNunn · 3 district offices
Rep. McClain, Lisa C. [R-MI-9] · [R-MI-9] · M001136 · Co-sponsored 2026-01-07 · original
Rep-MI-9 current · 3 terms · @RepLisaMcClain · 2 district offices
Rep. Salazar, Maria Elvira [R-FL-27] · [R-FL-27] · S000168 · Co-sponsored 2026-01-07 · original
Rep-FL-27 current · 3 terms · @RepMariaSalazar · 3 district offices
Rep. Downing, Troy [R-MT-2] · [R-MT-2] · D000634 · Co-sponsored 2026-01-07 · original
Rep-MT-2 current · 1 term · @reptroydowning · 2 district offices
Rep. Haridopolos, Mike [R-FL-8] · [R-FL-8] · H001099 · Co-sponsored 2026-01-07 · original
Rep-FL-8 current · 1 term · @repharidopolos · 1 district office
Rep. Moore, Tim [R-NC-14] · [R-NC-14] · M001236 · Co-sponsored 2026-01-07 · original
Rep-NC-14 current · 1 term · @RepTimMooreNC · 1 district office
Rep. Kennedy, Mike [R-UT-3] · [R-UT-3] · K000403 · Co-sponsored 2026-01-12
Rep-UT-3 current · 1 term · @repmikekennedy · 1 district office
Rep. Knott, Brad [R-NC-13] · [R-NC-13] · K000405 · Co-sponsored 2026-01-22
Rep-NC-13 current · 1 term · @RepKnott · 1 district office
Rep. Calvert, Ken [R-CA-41] · [R-CA-41] · C000059 · Co-sponsored 2026-03-09
Rep-CA-41 current · 17 terms · @KenCalvert · 2 district offices
Rep. Fedorchak, Julie [R-ND-At Large] · [R-ND-0] · F000482 · Co-sponsored 2026-03-26
Rep-ND current · 1 term · @RepFedorchak · 2 district offices

Committees (2)

Banking, Housing, and Urban Affairs Committee [Senate Standing]
2026-07-22T19:33:27ZReferred To
Financial Services Committee [House Standing]
2026-07-22T02:00:26ZUnknown
2026-07-21T19:50:56ZUnknown
2026-04-20T16:19:23ZReported By
2026-03-04T16:02:24ZMarkup By
2026-01-07T15:01:30ZReferred To

Actions — from XML (22)

2026-07-22IntroReferralvia Senate
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
2026-07-21 22:06:17FloorH38310via House floor actions
Motion to reconsider laid on the table Agreed to without objection.
2026-07-21 22:06:13FloorH37100via House floor actions
On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271). (text of amendment in the nature of a substitute: CR H4708-4722)
VoteHouse roll 271 — source
2026-07-21 22:06:13Floor8000via Library of Congress
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271). (text of amendment in the nature of a substitute: CR H4708-4722)
VoteHouse roll 271 — source
2026-07-21 22:00:26FloorH36210via House floor actions
On motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).
VoteHouse roll 270 — source
2026-07-21 21:53:59FloorH30000via House floor actions
Considered as unfinished business. (consideration: CR H5018-5019)
2026-07-21 15:51:32FloorH8D000via House floor actions
POSTPONED PROCEEDINGS - At the conclusion of debate on H.R. 6955, the Chair put the question on motion to recommit and by voice vote, announced that the noes had prevailed. Ms. Garcia (TX) demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
2026-07-21 15:51:10FloorH8A000via House floor actions
The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
2026-07-21 15:50:56FloorH36200via House floor actions
Ms. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)
2026-07-21 15:50:24FloorH35000via House floor actions
The previous question was ordered pursuant to the rule.
2026-07-21 14:44:39FloorH8D000via House floor actions
DEBATE - The House proceeded with one hour of debate on H.R. 6955.
2026-07-21 14:43:38FloorH8D000via House floor actions
Rule provides for consideration of H.R. 8800, H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955 and H.R. 9770. The resolution provides for consideration of H.R. 8800 under a structured rule and for consideration of H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955, and H.R. 9770 under a closed rule, with one hour of debate on each measure and one motion to recommit on H.R. 8800, H.R. 8884, H.R. 7008, H.R. 6955, and H.R. 9770.
2026-07-21 14:43:33FloorH30000via House floor actions
Considered under the provisions of rule H. Res. 1438. (consideration: CR H4707-4731)
2026-07-20 20:33:13FloorH1L210via House floor actions
Rules Committee Resolution H. Res. 1438 Reported to House. Rule provides for consideration of H.R. 8800, H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955 and H.R. 9770. The resolution provides for consideration of H.R. 8800 under a structured rule and for consideration of H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955, and H.R. 9770 under a closed rule, with one hour of debate on each measure and one motion to recommit on H.R. 8800, H.R. 8884, H.R. 7008, H.R. 6955, and H.R. 9770.
2026-04-20CalendarsH12410via House floor actions
Placed on the Union Calendar, Calendar No. 535.
2026-04-20CommitteeH12200via House floor actions
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
2026-04-20Committee5000via Library of Congress
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
2026-03-04Committeevia House committee actions
Ordered to be Reported by the Yeas and Nays: 26 - 16.
2026-03-04Committeevia House committee actions
Committee Consideration and Mark-up Session Held
2026-01-07IntroReferralH11100via House floor actions
Referred to the House Committee on Financial Services.
2026-01-07IntroReferralIntro-Hvia Library of Congress
Introduced in House
2026-01-07IntroReferral1000via Library of Congress
Introduced in House

Actions — from bill_actions table (0)

none

Titles

Display Title2026-09-19T23:16:46Z
Main Street Capital Access Act
Official Title as IntroducedIH2026-09-19T23:16:45Z
To make improvements to the Federal banking laws, and for other purposes.
Short Titles from RFS (Referred to Senate) bill textRFSS2026-07-25T04:38:22Z
Main Street Act
Short Titles from RFS (Referred to Senate) bill textRFSS2026-07-25T04:38:22Z
Main Street Capital Access Act
Official Title from EH (Engrossed in House) bill textEHH2026-07-23T03:38:22Z
To make improvements to the Federal banking laws, and for other purposes.
Short Title(s) as Passed HouseEHH2026-07-23T03:38:22Z
Main Street Capital Access Act
Short Title(s) as Reported to HouseRHH2026-04-21T06:38:31Z
Main Street Capital Access Act
Short Title(s) as Reported to HouseRHH2026-04-21T06:38:31Z
Main Street Act
Short Title(s) as IntroducedIH2026-01-23T03:53:16Z
Main Street Capital Access Act

Text versions (from XML)

Referred in Senate2026-07-22T04:00:00Z
https://www.govinfo.gov/content/pkg/BILLS-119hr6955rfs/xml/BILLS-119hr6955rfs.xml
Engrossed in House2026-07-21T04:00:00Z
https://www.govinfo.gov/content/pkg/BILLS-119hr6955eh/xml/BILLS-119hr6955eh.xml
Reported in House2026-04-20T04:00:00Z
https://www.govinfo.gov/content/pkg/BILLS-119hr6955rh/xml/BILLS-119hr6955rh.xml
Introduced in House2026-01-07T05:00:00Z
https://www.govinfo.gov/content/pkg/BILLS-119hr6955ih/xml/BILLS-119hr6955ih.xml

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

07 · 2026-04-20 · Reported to House

Main Street Capital Access Act or the Main Street Act

This bill lessens and otherwise modifies banking regulations, including those regarding institution formation, supervision by federal financial regulators, and bank merger requirements.

Under the bill, new banks have a three-year phase-in period to meet certain capital requirements. The bill also reduces the leverage ratio for certain rural community banks.

Financial regulators must (1) tailor regulatory actions to limit burdens on financial institutions and must consider the institutions' risk profiles and business models, and (2) review their regulations more frequently and expand the scope of these reviews.

The bill eases requirements regarding bank mergers, for example, by allowing financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic.

The bill increases the dollar asset thresholds for various fees, reporting requirements, and other regulatory requirements so that more financial companies and banks are exempt from these requirements. For example, the bill increases the total asset threshold above which financial holding companies need Federal Reserve Board approval to acquire a company, thereby allowing for more acquisitions without board approval. The bill also raises certain asset thresholds so as to allow additional small bank holding companies to operate with higher debt levels and additional small banks to qualify for a longer examination cycle.

The bill also provides flexibilities regarding the use of reciprocal deposits, the resolution of failed banks, and other regulated activities.

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HRES 1438 (119) Providing for consideration of the bill (H.R. 8800) to authorize appropriations for fiscal year 2027 for military activities of the Department of Defense, for military construction, and for defense activities of the Department of Energy, to prescribe military personnel strengths for such fiscal year, and for other purposes; providing for consideration of the bill (H.R. 8884) to amend title II of the Social Security Act to reauthorize demonstration authority for the disability insurance program; providing for consideration of the concurrent resolution (H. Con. Res. 113) establishing the congressional budget for the United States Government for fiscal year 2027 and setting forth the appropriate budgetary levels for fiscal years 2028 through 2036; providing for consideration of the bill (H.R. 7008) to amend chapter 131 of title 5 to require certain restrictions on stocks for Members of Congress and their spouses and dependents, and for other purposes; providing for consideration of the bill (H.R. 6955) to make improvements to the Federal banking laws, and for other purposes; providing for consideration of the bill (H.R. 9770) making continuing appropriations for fiscal year 2027, and for other purposes; and for other purposes.
Latest: 2026-07-21 — Motion to reconsider laid on the table Agreed to without objection.
Relationship: Related bill (via House), Procedurally related (via House)

Amendments (1)

HAMDT 241 (119)
Pursuant to the provisions of H. Res. 1438, in lieu of the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill, an amendment in the nature of a substitute consisting of the text of Rules Committee Print 119-35 is considered as adopted.
Submitted 2026-07-21T04:00:00Z
Chamber: House of Representatives
Amends: HR 6955 (119)
Latest: 2026-07-21 — On agreeing to the Rules amendment (A001) Agreed to without objection.
Sponsors
- null

Laws

none

Committee reports

H. Rept. 119-617

Calendar number

null

CBO cost estimates

none

Latest action

Date

2026-07-22

Text

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Time

null

Dublin Core

format

text/xml

language

rights

Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.

contributor

Congressional Research Service, Library of Congress

description

This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.

Row fields (debug)

id

7269

congress

119

bill_type

bill_number

6955

bill_slug

hr-6955-119

title

Main Street Capital Access Act

short_title

Main Street Act

sponsor_bioguide_id

H001072

sponsor_name

Rep. Hill, J. French [R-AR-2]

sponsor_party

sponsor_state

introduced_date

2026-01-07

latest_action_date

2026-07-22

latest_action_text

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

status

Committee

policy_area

Finance and Financial Sector

subjects_json

[
  "Accounting and auditing",
  "Administrative law and regulatory procedures",
  "Administrative remedies",
  "Advisory bodies",
  "Bank accounts, deposits, capital",
  "Banking and financial institutions regulation",
  "Business ethics",
  "Business records",
  "Congressional oversight",
  "Consumer Financial Protection Bureau",
  "Corporate finance and management",
  "Credit and credit markets",
  "Currency",
  "Data collection, sharing, protection",
  "Economic performance and conditions",
  "Federal Deposit Insurance Corporation (FDIC)",
  "Federal Reserve System",
  "Financial crises and stabilization",
  "Financial services and investments",
  "Foreign and international banking",
  "Fraud offenses and financial crimes",
  "Government ethics and transparency, public corruption",
  "Government information and archives",
  "Government lending and loan guarantees",
  "Government studies and investigations",
  "Judicial review and appeals",
  "Monetary policy",
  "National Credit Union Administration",
  "Performance measurement",
  "Rural conditions and development",
  "User charges and fees"
]

govinfo_billstatus_path

BILLSTATUS-119hr6955

raw_billstatus_xml

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summary_lede

topic_primary

finance

topic_secondary_json

[]

action_family

committee_active

response_available

response_type

null

response_deadline

null

importance_score

null

consequence_score

null

urgency_score

null

overall_score

null

in_canopy

canopy_expires_at

null

pipeline_track

federal_terminal

pipeline_stage

final

pipeline_stage_rank

stable_action_id

hr-6955-119

jurisdiction

federal

lock_status

open

lock_at

null

content_hash

194412944e6f6f1650439ea4a55bef4bd4f3e3563a47de32c996f908c50e7683

anchored_at

null

anchor_merkle_root

null

source_kind

api_fill

first_seen_at

2026-04-20T08:15:57.988066+00:00

last_seen_at

2026-09-27T11:30:22.070413+00:00

⎔ Anchored0x0000…0000Epoch 2026-Q4