H.R. 6955 · 119th Congress

Main Street Capital Access Act

Introduced on Jan 7, 2026 by J. French Hill (R-AR-2). 33 cosponsors, all from the sponsor's party. Latest action (Jul 22, 2026): Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Stage
Passed one chamber
Introduced
Jan 7, 2026
Cosponsors
33
0 from the other party
Policy area
Finance and Financial Sector
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. Reported by committee
  3. Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

To make improvements to the Federal banking laws, and for other purposes.

Subjects

  • 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

Summary

By the Congressional Research Service (Reported to House, Apr 20, 2026). Public domain.

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.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

J. French HillR-AR-2Sponsor

Republicans · 33

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

  1. On Motion to Recommit
    Jul 21, 2026· House· Procedural· Failed 210–216
  2. On Passage
    Jul 21, 2026· House· Passage· Passed 270–155

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Jan 7, 2026Introduced in House
  2. Jan 7, 2026Introduced in House
  3. Jan 7, 2026 · HouseReferred to the House Committee on Financial Services.
  4. Mar 4, 2026 · HouseCommittee Consideration and Mark-up Session Held
  5. Mar 4, 2026 · HouseOrdered to be Reported by the Yeas and Nays: 26 - 16.
  6. Apr 20, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
  7. Apr 20, 2026 · HouseReported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
  8. Apr 20, 2026 · HousePlaced on the Union Calendar, Calendar No. 535.
  9. Jul 20, 2026 · HouseRules 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.
  10. Jul 21, 2026 · HouseConsidered under the provisions of rule H. Res. 1438. (consideration: CR H4707-4731)
  11. Jul 21, 2026 · HouseRule 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.
  12. Jul 21, 2026 · HouseDEBATE - The House proceeded with one hour of debate on H.R. 6955.
  13. Jul 21, 2026 · HouseThe previous question was ordered pursuant to the rule.
  14. Jul 21, 2026 · HouseMs. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)
  15. Jul 21, 2026 · HouseThe previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
  16. Jul 21, 2026 · HousePOSTPONED 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.
  17. Jul 21, 2026 · HouseConsidered as unfinished business. (consideration: CR H5018-5019)
  18. Jul 21, 2026 · HouseOn motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).House · Roll call 270
  19. Jul 21, 2026Passed/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)House · Roll call 271
  20. Jul 21, 2026 · HouseOn 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)House · Roll call 271
  21. Jul 21, 2026 · HouseMotion to reconsider laid on the table Agreed to without objection.
  22. Jul 22, 2026 · SenateReceived in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. COMMUNITY BANK ADVISORY SERVICES, LLC3 reports
  2. AMERICAN FINTECH COUNCIL2 reports
    $180K reported (all issues)
  3. American Bankers Association2 reports
    $6.7M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  4. CREDIT UNION NATIONAL ASSOCIATION, INC.2 reports
    $2.4M reported (all issues)
  5. Chamber of Commerce of the U.S.A.2 reports
    $36.7M reported (all issues)
  6. Community Bankers Association of Illinois2 reports
    $135K reported (all issues)
  7. GOWEST CREDIT UNION ASSOCIATION2 reports
    $170K reported (all issues)
  8. INDEPENDENT COMMUNITY BANKERS OF AMERICA2 reports
    $3.1M reported (all issues)
  9. JPMORGAN CHASE HOLDINGS LLC2 reports
    $2.4M reported (all issues)
  10. Opportunity Finance Network-Formerly National Community Cap2 reports
    $140K reported (all issues)
  11. WESTERN ALLIANCE BANCORPORATION2 reports
    $310K reported (all issues)
  12. Americans for Financial Reform1 report
    $120K reported (all issues)
  13. CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP1 report
    $90K reported (all issues)
  14. INDEPENDENT BANKERS ASSOCIATION OF TEXAS1 report
  15. MORTGAGE BANKERS ASSOCIATION1 report
    $1.2M reported (all issues)Federal contractor: MORTGAGE BANKERS ASSOCIATION$125K in contracts, FY2026AI match · 100%

Reports filed in 2025, 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 6, 2026 · loaded Oct 6, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 6, 2026 · loaded Oct 6, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.