H.R. 6955Main Street Capital Access Act

2 recorded actionsWhat the measure does Read on Congress.gov

Sponsor: J. French Hill [R-AR-02]
Cosponsors: 33 · 33 Republicans
Policy area: Finance and Financial Sector
Committees: Financial Services Committee, Banking, Housing, and Urban Affairs Committee
Latest action: Jul 22, 2026 · Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

IntroducedJan 7, 2026
Passed the HouseJul 21, 2026
Passed the SenateNot yet reached
Sent to the PresidentNot yet reached
Became lawNot yet reached

What the measure doesCRS summary

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.

Written by the nonpartisan Congressional Research Service, describing H.R. 6955 as reported to House on Apr 20, 2026. It is not the text of the measure; a later amendment may have changed what it does.

Roll calls on H.R. 69552 roll calls on this measure

Choose a roll call

Jul 21, 2026Each bar: ✓ Yea from the bottom, ✕ Nay aboveJul 21, 2026

How every member votedHouse roll call 271

House Jul 21, 2026 · the primary vote

On Passage

Main Street Act

Passed

270 Yea 155 Nay 5 not voting · 1 present

Crossed both parties 57 of 425 voting members broke with their own party: 56 Democrats, 1 Republican.

Open the official roll call

How the chamber split

One dot per member. Select a seat or a bar to filter the list.

DemocratsIndependentsRepublicansFilled: YeaRing: NayGrey: not voting or present

By party select a segment to filter

All members431 members

Democratic212 members

Independent1 member

Republican218 members

marks half of the votes cast. A party’s majority is the side most of its voting members took.

Cosponsors33 · 33 Republicans

Signing on is not a vote: a member can cosponsor H.R. 6955 and vote against it. 29 signed when it was filed.

RAndy Barr [R-KY-06]Original

RBill Huizenga [R-MI-04]Original2026 profile

RFrank D. Lucas [R-OK-03]Original2026 profile

RPete Sessions [R-TX-17]Original2026 profile

RAnn Wagner [R-MO-02]Original2026 profile

RRoger Williams [R-TX-25]Original2026 profile

RTom Emmer [R-MN-06]Original2026 profile

RBarry Loudermilk [R-GA-11]Original

RWarren Davidson [R-OH-08]Original2026 profile

RJohn W. Rose [R-TN-06]Original

RBryan Steil [R-WI-01]Original2026 profile

RWilliam R. Timmons IV [R-SC-04]Original2026 profile

Loading the public record

Who lobbied on H.R. 695517 organizations

Organizations that named H.R. 6955 in a lobbying disclosure. Only those that cited the bill by number appear, so this is a floor, not a full list.

AMERICAN BANKERS ASSOCIATIONfiled by AMERICAN BANKERS ASSOCIATION, EMPIRE CONSULTING GROUPIts PAC: American Bankers Association PAC

Accounting · Agriculture · Banking · Bankruptcy +13 more4 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

CHAMBER OF COMMERCE OF THE U.S.A.

Transportation · Trade (domestic/foreign) · Aerospace · Automotive Industry +27 more4 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

AMERICAN FINTECH COUNCILIts PAC: American Fintech Council PAC

Banking · Financial Institutions/Investments/Securities · Housing3 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

COMMUNITY BANK ADVISORY SERVICES, LLC

Small Business · Financial Institutions/Investments/Securities · Banking3 filings · 2nd Quarter (Apr 1 - June 30) 2026Filing

COMMUNITY BANKERS ASSOCIATION OF ILLINOISIts PAC: Community Bankers Association of Illinois FEDPAC

Banking · Financial Institutions/Investments/Securities · Agriculture · Consumer Issues/Safety/Products +3 more3 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

GOWEST CREDIT UNION ASSOCIATION

Financial Institutions/Investments/Securities · Taxation/Internal Revenue Code · Small Business · Veterans +3 more3 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

INDEPENDENT BANKERS ASSOCIATION OF TEXASIts PAC: Independent Bankers Association of Texas Federal PAC

Banking3 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

INDEPENDENT COMMUNITY BANKERS OF AMERICAIts PAC: Independent Community Bankers of America PAC

Agriculture · Banking · Housing · Taxation/Internal Revenue Code3 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

JPMORGAN CHASE HOLDINGS LLC

Banking · Consumer Issues/Safety/Products · Financial Institutions/Investments/Securities · Homeland Security +6 more3 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

WESTERN ALLIANCE BANCORPORATIONIts PAC: Western Alliance Bancorporation PAC

Banking3 filings · 3rd Quarter (July 1 - Sep 30) 2026Filing

43 disclosures name this measure. Retrieved from LDA.gov on 2026-10-25. Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.