Ralph Norman (R-SC)· Introduced December 9, 2025

Rural Depositories Revitalization Study Act

H.R. 6536 · House bill Finance and Financial Sector

A Republican bill with 1 Democratic cosponsor · See all 3 cosponsors

Last activity February 2, 2026 — Placed on the Union Calendar, Calendar No. 404.

Cleared committee, waiting for its first floor vote

A committee approved it and it is on the calendar of the chamber it started in.

This is further than most bills get, and still no promise of a vote: the calendar is a queue, and the majority leadership decides what is called. A bill can sit here until the Congress ends.

Its path through Congress

Introduced
On Calendar

What this bill would do

This bill, known as the ``Rural Depositories Revitalization Study Act'', directs Federal banking agencies to conduct a joint study. The study focuses on ways to improve the growth, capital adequacy, and profitability of depository institutions that primarily serve rural areas. Additionally, the study aims to identify federal statutes or regulations that might be limiting these methods or the establishment of new de novo depository institutions in rural locations. The Federal banking agencies are required to issue a report containing their findings to Congress within one year of the Act's enactment.

Yes· 3 of 6

Scored +3
Would people in rural areas be better off under this?
The bill specifically targets the improvement of depository institutions that serve rural areas to enhance their growth and profitability.
Scored +2
Is this likely to create jobs?
The study seeks to identify ways to facilitate the establishment of new de novo depository institutions in rural areas.
Scored +2
Does this make it easier to run a small business?
By studying how to improve the profitability and growth of rural depository institutions, the bill aims to support the financial infrastructure of small businesses in those areas.