Troy Downing (R-MT)
Expanding Access to Capital for Rural Job Creators Act
A Republican bill with 3 Democratic cosponsors · See all 5 cosponsors
Last activity — Message on Senate action sent to the House.
Passed both chambers, not yet sent to the President
Both the House and the Senate have passed it, though not necessarily the same text.
If the two chambers passed identical wording, the final copy is being prepared for the President. If they did not, one chamber must accept the other's version or the two negotiate a single one — nothing goes to the President until the text is identical.
Its path through Congress
- Introduced
- Passed House voice vote
- Passed Senate unanimous consent
No one's position on it was recorded: the House by voice vote (members called out yes or no together), and the Senate by unanimous consent (no one objected, so there was no vote).
What this bill would do
H.R. 1190 is known as the Expanding Access to Capital for Rural Job Creators Act. This bill amends the Securities Exchange Act of 1934. The main goal is to expand access to capital for rural-area small businesses. It does this by adding rural-area small businesses alongside women-owned small businesses in specific existing provisions. Our elected officials passed this law to help small businesses located in rural areas.
Yes· 3 of 6
- Scored +7
Does this make it easier to run a small business?
The bill specifically targets small businesses to help them access more capital.
- Scored +7
Would business owners be better off under this?
The bill directly expands capital access opportunities for small business owners.
- Scored +6
Would people in rural areas be better off under this?
The bill provides specific economic benefits tailored to rural-area small businesses.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Section 2(1): This section adds rural-area small businesses to paragraph (4)(C) of the law, right after women-owned small businesses. This could benefit rural businesses by helping them gain better access to capital.
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Section 2(2): This section adds rural-area small businesses to paragraph (6)(B)(iii) of the law, right after women-owned small businesses. This is a positive outcome because it ensures rural job creators are included in programs meant to support small businesses.
Potential Negative Impacts for People
- There are no negative consequences, burdens, sections, or provisions explicitly mentioned in the provided text for individuals or groups of people in the United States.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Economy And Finance
- Does this make it easier to run a small business? — The bill specifically targets small businesses to help them access more capital. Is this likely to create jobs? — Expanding capital access for small businesses is intended to stimulate job growth in rural areas. Is this likely to grow the economy? — Facilitating capital for rural small businesses supports broader economic expansion.
- Demographic And Interest Groups
- Would business owners be better off under this? — The bill directly expands capital access opportunities for small business owners. Would people in rural areas be better off under this? — The bill provides specific economic benefits tailored to rural-area small businesses.
- Environment Energy And Infrastructure
- Does this invest in rural communities? — By aiding small businesses, the bill fosters economic development in rural areas.
- Enrolled Bill
The final version, on its way to the President
What changed from Referred in Senate: No change to the wording. Only the printed details that record the bill’s progress, such as the heading and dates, are different.
- 10/14/2026
- Message on Senate action sent to the House.
- 9/29/2026
- Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
- Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (consideration: CR S5185)
- Passed Senate without amendment by Unanimous Consent. (consideration: CR S5185)
- 6/24/2025
- Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 6/23/2025
- Motion to reconsider laid on the table Agreed to without objection.
- Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2873-2874)
- On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2873-2874)
- DEBATE - The House proceeded with forty minutes of debate on H.R. 1190.
- Considered under suspension of the rules. (consideration: CR H2873-2875)
- Mrs. Wagner moved to suspend the rules and pass the bill, as amended.
- 6/3/2025
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-122.
- Placed on the Union Calendar, Calendar No. 92.
- 5/21/2025
- 1 Cosponsor added.
- 5/20/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 51 - 0.
- 5/19/2025
- 1 Cosponsor added.
- 2/11/2025
- Referred to the House Committee on Financial Services.
- 3 Cosponsors added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Janelle BynumDemocrat · Oregon
Zachary NunnRepublican · Iowa
Chris PappasDemocrat · New Hampshire
Pete SessionsRepublican · Texas
Eugene VindmanDemocrat · Virginia