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HR 6536 · 119th Congress · Finance and Financial Sector

Rural Depositories Revitalization Study Act

Introduced December 09, 2025 Latest action February 02, 2026 3 cosponsors

Sponsor

Latest action

Placed on the Union Calendar, Calendar No. 404.

Action timeline

Every recorded action on this bill, newest first. Stage badges color-code the legislative path.

Feb 02, 2026
committee Reported (Amended) by the Committee on Financial Services. H. Rept. 119-473.
Financial Services Committee
Feb 02, 2026
other Placed on the Union Calendar, Calendar No. 404.
Dec 17, 2025
committee Committee Consideration and Mark-up Session Held
Financial Services Committee
Dec 17, 2025
committee Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 0.
Financial Services Committee
Dec 16, 2025
committee Committee Consideration and Mark-up Session Held
Financial Services Committee

Text versions

Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.

Feb 02, 2026 Reported in House
XML
Dec 09, 2025 Introduced in House
XML

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.

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.

  1. ih / is — Introduced in House / Senate. First filed version.
  2. rfh / rfs — Referred to a committee for review.
  3. rh / rs — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).
  4. pcs / pch — Placed on Calendar for floor consideration.
  5. eh / es — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.
  6. rdh / rds — Received by the other chamber.
  7. eah / eas — Engrossed Amendment. The other chamber passed an amended version.
  8. ath / ats — Agreed to. Both chambers settled on the same text.
  9. enr — Enrolled. Final reconciled text, sent to the President.
  10. pl — Public Law. Signed by the President. It's now law.
  11. 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.

→
+50 −6 27 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 6536 Introduced in House (IH)]
+[H.R. 6536 Reported in House (RH)]
<DOC>
+Union Calendar No. 404
119th CONGRESS
-1st Session
+2d Session
H. R. 6536
+
+[Report No. 119-473]
To require the Federal banking agencies to study improving the growth,
capital adequacy, and profitability of rural depository institutions,
@@ -19,6 +22,20 @@
Mr. Norman introduced the following bill; which was referred to the
Committee on Financial Services
+
+February 2, 2026
+
+Additional sponsors: Mr. Rose, Mr. Gottheimer, and Mr. Moore of North
+Carolina
+
+February 2, 2026
+
+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
+December 9, 2025]
_______________________________________________________________________
@@ -44,12 +61,13 @@
(1) to identify methods to improve the growth, capital
adequacy, and profitability of depository institutions in the
United States that primarily serve rural areas; and
-(2) to identify Federal statutes or regulations of the
-Federal banking agencies that limit--
+(2) to identify Federal statutes (other than appropriations
+Acts) or regulations of the Federal banking agencies that
+limit--
(A) the methods identified under paragraph (1); or
(B) the establishment of de novo depository
institutions in rural areas.
-(b) Report.--Not later than 6 months after the date of enactment of
+(b) Report.--Not later than 1 year after the date of enactment of
this Act, the Federal banking agencies shall, jointly, issue a report
to Congress containing all findings and determinations made in carrying
out the study required under subsection (a).
@@ -61,4 +79,30 @@
agencies'' means the Board of Governors of the Federal Reserve
System, the Comptroller of the Currency, and the Federal
Deposit Insurance Corporation.
-<all>
+(3) Rural.--With respect to an area, the term ``rural'' has
+the meaning given that term in section 1026.35(b)(2)(iv)(A) of
+title 12, Code of Federal Regulations.
+Union Calendar No. 404
+
+119th CONGRESS
+
+2d Session
+
+H. R. 6536
+
+[Report No. 119-473]
+
+_______________________________________________________________________
+
+A BILL
+
+To require the Federal banking agencies to study improving the growth,
+capital adequacy, and profitability of rural depository institutions,
+and for other purposes.
+
+_______________________________________________________________________
+
+February 2, 2026
+
+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

Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.

AMERICAN BANKERS ASSOCIATION
BAN
2
filings · 2026 Q4
INDEPENDENT COMMUNITY BANKERS OF AMERICA
BAN
2
filings · 2026 Q4

via Senate LDA · self-reported quarterly. Filing count = filings mentioning this bill (no position required), not money spent on it. Click a client to see all bills they've filed on.

Cosponsors (3)

Members who signed on to support this bill.

Rose R
Gottheimer D
Moore R