HR 5276
· 119th Congress
· Finance and Financial Sector
Community Bank LIFT Act
Sponsor
Latest action
Placed on the Union Calendar, Calendar No. 319.
Action timeline
Every recorded action on this bill, newest first. Stage badges color-code the legislative path.
Nov 04, 2025
committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-367.
Financial Services Committee
Nov 04, 2025
other
Placed on the Union Calendar, Calendar No. 319.
Sep 16, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
Sep 16, 2025
committee
Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.
Financial Services Committee
Sep 10, 2025
introduced
Introduced in House
Sep 10, 2025
introduced
Referred to the House Committee on Financial Services.
Financial Services Committee
Text versions
Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.
CRS summaries
Plain-English summaries written by the Congressional Research Service — neutral, nonpartisan staff who summarize bills as they advance through stages. The authoritative description of what each version of the bill does.
07
Reported to House
Nov 04, 2025
Community Bank Leverage Improvement and Flexibility for Transparency Act or the Community Bank LIFT Act
This bill relaxes requirements related to the community bank leverage ratio, which is a simplified capital standard applicable to qualified community banks. Community banks qualify by having less than $10 billion in assets, along with meeting other criteria.
Specifically, the bill increases this asset limit to $15 billion. Additionally, it reduces the statutory range of the leverage ratio from 8%-10% to 6%-8%. (The specific rate is set by regulation. A reduction in the leverage ratio eases capital requirements.)
The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation must review and report on the leverage ratio and the rules issued to carry out its implementation. The report must include a consideration of how to modify the leverage ratio to encourage more participation in the community bank leverage ratio framework, with a focus on community banks with fewer assets and providing relief from regulatory compliance burdens.
After this report is issued, the participating agencies must propose and finalize rules to implement this bill and the recommendations contained in the report.
via Congressional Research Service · published through congress.gov
Changelog
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih / is — Introduced in House / Senate. First filed version.rfh / rfs — Referred to a committee for review.rh / rs — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs / pch — Placed on Calendar for floor consideration.eh / es — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh / rds — Received by the other chamber.eah / eas — Engrossed Amendment. The other chamber passed an amended version.ath / ats — Agreed to. Both chambers settled on the same text.enr — Enrolled. Final reconciled text, sent to the President.pl — Public Law. Signed by the President. It's now law.pp — Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih/is— Introduced in House / Senate. First filed version.rfh/rfs— Referred to a committee for review.rh/rs— Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs/pch— Placed on Calendar for floor consideration.eh/es— Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh/rds— Received by the other chamber.eah/eas— Engrossed Amendment. The other chamber passed an amended version.ath/ats— Agreed to. Both chambers settled on the same text.enr— Enrolled. Final reconciled text, sent to the President.pl— Public Law. Signed by the President. It's now law.pp— Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
Line-level diff between text versions of this bill — what actually changed at each legislative stage.
+44
−7
31 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 5276 Introduced in House (IH)]
+[H.R. 5276 Reported in House (RH)]
<DOC>
+Union Calendar No. 319
119th CONGRESS
1st Session
H. R. 5276
+
+[Report No. 119-367]
To amend the Economic Growth, Regulatory Relief, and Consumer
Protection Act to adjust the Community Bank Leverage Ratio, and for
@@ -19,6 +22,15 @@
Mrs. Kim introduced the following bill; which was referred to the
Committee on Financial Services
+
+November 4, 2025
+
+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
+September 10, 2025]
_______________________________________________________________________
@@ -53,7 +65,8 @@
Currency, and the Federal Deposit Insurance Corporation shall propose
and, not later than 1 year after the date of the enactment of this Act,
such agencies shall finalize rules to carry out the amendments made by
-subsection (a).
+subsection (a) and the recommended modifications contained in such
+report.
SEC. 3. REVIEW OF THE COMMUNITY BANK LEVERAGE RATIO.
@@ -61,10 +74,11 @@
System, the Comptroller of the Currency, and the Federal Deposit
Insurance Corporation shall commence a review of the Community Bank
Leverage Ratio (``CBLR'') developed under section 201 of the Economic
-Growth, Regulatory Relief, and Consumer Protection Act, and rules
-issued thereunder, which shall include a consideration of how to modify
-and calibrate the CBLR to encourage more qualifying community banks to
-opt-in to the CBLR framework, with an additional focus on--
+Growth, Regulatory Relief, and Consumer Protection Act (12 U.S.C. 5371
+note), and rules issued thereunder, which shall include a consideration
+of how to modify and calibrate the CBLR to encourage more qualifying
+community banks to opt-in to the CBLR framework, with an additional
+focus on--
(1) those qualifying community banks with fewer assets; and
(2) providing regulatory compliance burden relief so that
the CBLR is simple to apply.
@@ -96,4 +110,27 @@
``qualifying community bank'' has the meaning given that term in
section 201(a)(3)(A) of the Economic Growth, Regulatory Relief, and
Consumer Protection Act (12 U.S.C. 5371 note).
-<all>
+Union Calendar No. 319
+
+119th CONGRESS
+
+1st Session
+
+H. R. 5276
+
+[Report No. 119-367]
+
+_______________________________________________________________________
+
+A BILL
+
+To amend the Economic Growth, Regulatory Relief, and Consumer
+Protection Act to adjust the Community Bank Leverage Ratio, and for
+other purposes.
+
+_______________________________________________________________________
+
+November 4, 2025
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
Lobbying activity
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4
filings · 2026 Q3
2
filings · 2026 Q4
1
filings · 2025 Q3
1
filings · 2025 Q3
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