Bills · 119th Congress · Finance and Financial Sector

Main Street Capital Access Act

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Roll calls on this bill

Votes on passage
HouseOn Passage · 7/21/26PassageThe vote on whether this chamber approves the measure — usually by a simple majority of those voting. It becomes law only once both chambers pass the same text and the president signs it, or Congress overrides a veto.House: The Legislative Process ↗
Passed
  • Democratic56 Yea · 154 Nay · 1 Present · 1 Not voting
  • Republican213 Yea · 1 Nay · 0 Present · 4 Not voting
  • Independent / Other1 Yea · 0 Nay · 0 Present · 0 Not voting
Official summary (CRS)

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.

Full text on congress.gov ↗
Sponsor
Rep. J. French Hill ( Republican · AR-2)
Cosponsors
33
Introduced
1/7/26
Policy area
Finance and Financial Sector
Status
1/7/26Referred to the House Committee on Financial Services.
1/7/26Introduced in House
3/4/26Ordered to be Reported by the Yeas and Nays: 26 - 16.
3/4/26Committee Consideration and Mark-up Session Held
4/20/26Placed on the Union Calendar, Calendar No. 535.
4/20/26Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
7/20/26Rules 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.
7/21/26Motion to reconsider laid on the table Agreed to without objection.
7/21/26On 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)
7/21/26Passed/agreed to in House: 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)
7/21/26On motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).
7/21/26Considered as unfinished business. (consideration: CR H5018-5019)
7/21/26POSTPONED PROCEEDINGS - At the conclusion of debate on H.R. 6955, the Chair put the question on motion to recommit and by voice vote, announced that the noes had prevailed. Ms. Garcia (TX) demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
7/21/26The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
7/21/26Ms. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)
7/21/26The previous question was ordered pursuant to the rule.
7/21/26DEBATE - The House proceeded with one hour of debate on H.R. 6955.
7/21/26Rule 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.
7/21/26Considered under the provisions of rule H. Res. 1438. (consideration: CR H4707-4731)
7/22/26Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.