Community Bank Relief Act

House Bill

H.R. 7484

119th Congress

Community Bank Relief Act

In Committee

Introduced:Feb 11, 2026

Primary Sponsor

Andy Barr

R - KY

Cosponsors

0

Quick Stats

Policy Area

Finance and Financial Sector

Summary

The Community Bank Relief Act aims to reduce regulatory burdens on smaller community banks that serve local neighborhoods and small towns across America. By easing compliance requirements for these institutions, the bill seeks to help community banks compete more effectively with larger financial institutions while maintaining their focus on relationship-based lending to local families and small businesses.

Latest Action

Referred to the House Committee on Financial Services.

Introduced2/11/2026

StatusReferred to the House Committee on Financial Services.

ChamberHouse

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Vote Prediction

Community Bank Relief Act

The Community Bank Relief Act aims to reduce regulatory burdens on smaller community banks that serve local neighborhoods and small towns across America. By easing compliance requirements for these institutions, the bill seeks to help community banks compete m

Community Breakdown

Pass

0%

Fail

0%

0 predictions

The Community Bank Relief Act aims to reduce regulatory burdens on smaller community banks that serve local neighborhoods and small towns across America. By easing compliance requirements for these institutions, the bill seeks to help community banks compete more effectively with larger financial institutions while maintaining their focus on relationship-based lending to local families and small businesses.

Bill Number: 7484
Introduced: 2/11/2026
Status: Referred to the House Committee on Financial Services.
Policy Area: Finance and Financial Sector

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: Community Bank Relief Act
Bill Number: 7484
Sponsor: No sponsor
Status: Referred to the House Committee on Financial Services.
Introduced: 2/11/2026
Summary: The Community Bank Relief Act aims to reduce regulatory burdens on smaller community banks that serve local neighborhoods and small towns across America. By easing compliance requirements for these institutions, the bill seeks to help community banks compete more effectively with larger financial in

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

The Community Bank Relief Act aims to reduce regulatory burdens on smaller community banks that serve local neighborhoods and small towns across America. By easing compliance requirements for these institutions, the bill seeks to help community banks compete more effectively with larger financial institutions while maintaining their focus on relationship-based lending to local families and small businesses.

Last updated: 2/23/2026

Key Points

Main provisions of the bill

Targets regulatory relief specifically for community banks, which typically have less than $10 billion in assets and serve local communities
Aims to reduce the compliance costs that disproportionately affect smaller banks, allowing them to dedicate more resources to customer service and lending
Could help preserve local banking options in rural and underserved areas where community banks are often the primary financial service provider
Seeks to level the playing field between small community banks and large national banks that have more resources to handle complex regulations

How This Impacts Americans

Potential effects on citizens and communities

This bill would primarily benefit small business owners and rural residents who rely on community banks for personalized lending services and local economic support. If passed, Americans in smaller towns might see improved access to business loans, mortgages, and agricultural financing as their local banks gain operational flexibility. The legislation could also help stabilize the community banking sector, which has seen consolidation in recent years due to regulatory pressures.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

7484, 119th Congress (2026). "Community Bank Relief Act". Source: Voter's Right Platform. https://votersright.org/bills/119-hr-7484

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