Rural Depositories Revitalization Study Act

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6536 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 6536

To require the Federal banking agencies to study improving the growth, 
 capital adequacy, and profitability of rural depository institutions, 
                        and for other purposes.


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                    IN THE HOUSE OF REPRESENTATIVES

                            December 9, 2025

  Mr. Norman introduced the following bill; which was referred to the 
                    Committee on Financial Services

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                                 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.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Rural Depositories Revitalization 
Study Act''.

SEC. 2. STUDY ON IMPROVING THE GROWTH, CAPITAL ADEQUACY, AND 
              PROFITABILITY OF RURAL DEPOSITORY INSTITUTIONS.

    (a) Study.--The Federal banking agencies shall, jointly, carry out 
a study--
            (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--
                    (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 
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).
    (c) Definitions.--In this section:
            (1) Depository institution.--The term ``depository 
        institution'' has the meaning given that term in section 3 of 
        the Federal Deposit Insurance Act (12 U.S.C. 1813).
            (2) Federal banking agencies.--The term ``Federal banking 
        agencies'' means the Board of Governors of the Federal Reserve 
        System, the Comptroller of the Currency, and the Federal 
        Deposit Insurance Corporation.
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