HR 5276 · introduced · significant
Community Bank LIFT Act
- economy
What this bill does
- This bill relaxes capital requirements for community banks by raising the asset threshold from $10 billion to $15 billion.
- Community banks and their regulators are affected by the simplified capital standards and reduced compliance burdens.
- Federal banking agencies must review the leverage ratio rules and propose changes within a regulatory timeline.
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Community Threads
Started by Cosponsor
- 01
How would raising the asset threshold from $10 billion to $15 billion change which banks qualify for relaxed capital requirements, and which communities might benefit most?
- 02
What trade-offs exist between reducing compliance costs for community banks and maintaining capital standards that protect depositors and financial stability?
- 03
What evidence supports the premise that current capital requirements burden community banks enough to justify regulatory changes at the $15 billion threshold?
Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.
Sponsor · R-CA-40
Young Kim
Citizen cosponsors
0
In Congress
0/ 435
House Reps cosponsoring
Introduced 2025-11-04
Legislative timeline
2025-11-04 · house · Calendars
Placed on the Union Calendar, Calendar No. 319.
2025-11-04 · house · Committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-367.
2025-11-04 · Committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-367.
2025-09-16 · house · Committee
Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.
2025-09-16 · house · Committee
Committee Consideration and Mark-up Session Held
2025-09-10 · house · IntroReferral
Referred to the House Committee on Financial Services.
2025-09-10 · IntroReferral
Introduced in House
2025-09-10 · IntroReferral
Introduced in House
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