Main Street Capital Access Act

Summary

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.  

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Timeline

1. 7 January 2026

   Introduced

   Referred to the House Committee on Financial Services.

   Source: IntroReferral

2. 7 January 2026

   Introduced

   Introduced in House

   Source: IntroReferral

3. 7 January 2026

   Introduced

   Introduced in House

   Source: IntroReferral

4. 4 March 2026

   Vote

   Ordered to be Reported by the Yeas and Nays: 26 - 16.

   Source: Committee

5. 4 March 2026

   Committee

   Committee Consideration and Mark-up Session Held

   Source: Committee

6. 20 April 2026

   Calendars

   Placed on the Union Calendar, Calendar No. 535.

   Source: Calendars

7. 20 April 2026

   Reported

   Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.

   Source: Committee

8. 20 April 2026

   Reported

   Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.

   Source: Committee

9. 20 July 2026

   Reported

   Rules 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.

   Source: Floor

10. 21 July 2026

    Passed

    Motion to reconsider laid on the table Agreed to without objection.

    Source: Floor

11. 21 July 2026

    Vote

    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)

    Source: Floor

12. 21 July 2026

    Floor

    Ms. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)

    Source: Floor

13. 21 July 2026

    Floor

    The previous question was ordered pursuant to the rule.

    Source: Floor

14. 21 July 2026

    Vote

    Passed/agreed to in House: On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271).

    Source: Floor

15. 21 July 2026

    Vote

    On motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).

    Source: Floor

16. 21 July 2026

    Floor

    The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.

    Source: Floor

17. 21 July 2026

    Floor

    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.

    Source: Floor

18. 21 July 2026

    Floor

    Considered under the provisions of rule H. Res. 1438. (consideration: CR H4707-4731)

    Source: Floor

19. 22 July 2026

    Introduced

    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    Source: IntroReferral

Votes

Versions

No version snapshots stored. Document URLs remain at the source.

Documents

5 official files

• Referred in Senate

  Referred in Senate · EN · 22 July 2026

  ViewDownloadOpen at official source

• Engrossed in House

  Engrossed in House · EN · 21 July 2026

  ViewDownloadOpen at official source

• Reported in House

  Reported in House · EN · 20 April 2026

  ViewDownloadOpen at official source

• Reported to House

  summary · EN · 20 April 2026

  Open at official source

• Introduced in House

  Introduced in House · EN · 7 January 2026

  ViewDownloadOpen at official source

Sponsors

• Rep. Hill, J. French [R-AR-2] · R · Sponsor
• Rep. Barr, Andy [R-KY-6] · R · Sponsor
• Bill Huizenga · R · Sponsor
• Frank Lucas · R · Sponsor
• Rep. Sessions, Pete [R-TX-17] · R · Sponsor
• Rep. Wagner, Ann [R-MO-2] · R · Sponsor
• Rep. Williams, Roger [R-TX-25] · R · Sponsor
• Rep. Emmer, Tom [R-MN-6] · R · Sponsor
• Barry Loudermilk · R · Sponsor
• Rep. Davidson, Warren [R-OH-8] · R · Sponsor
• Rep. Rose, John W. [R-TN-6] · R · Sponsor
• Bryan Steil · R · Sponsor
• William Timmons · R · Sponsor
• Rep. Stutzman, Marlin A. [R-IN-3] · R · Sponsor
• Rep. Norman, Ralph [R-SC-5] · R · Sponsor
• Daniel Meuser · R · Sponsor
• Rep. Kim, Young [R-CA-40] · R · Sponsor
• Rep. Donalds, Byron [R-FL-19] · R · Sponsor
• Rep. Garbarino, Andrew R. [R-NY-2] · R · Sponsor
• Rep. Fitzgerald, Scott [R-WI-5] · R · Sponsor
• Mike Flood · R · Sponsor
• Rep. Lawler, Michael [R-NY-17] · R · Sponsor
• Rep. De La Cruz, Monica [R-TX-15] · R · Sponsor
• Rep. Ogles, Andrew [R-TN-5] · R · Sponsor
• Rep. Nunn, Zachary [R-IA-3] · R · Sponsor
• Lisa McClain · R · Sponsor
• Rep. Salazar, Maria Elvira [R-FL-27] · R · Sponsor
• Rep. Downing, Troy [R-MT-2] · R · Sponsor
• Rep. Haridopolos, Mike [R-FL-8] · R · Sponsor
• Rep. Moore, Tim [R-NC-14] · R · Sponsor
• Rep. Kennedy, Mike [R-UT-3] · R · Cosponsor
• Rep. Knott, Brad [R-NC-13] · R · Cosponsor
• Ken Calvert · R · Cosponsor
• Julie Fedorchak · R · Cosponsor
• · ssbk00 · Standing
• · hsba00 · Standing

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