CONGRESS FOR VOTERS

J. Hill (R-AR)

Main Street Capital Access Act

H.R. 6955 · House bill Finance and Financial Sector

A Republican bill with 33 Republican cosponsors · See all 33 cosponsors

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

In the other chamber's committee

Passed one chamber and has been handed to a committee in the other.

The committee decides whether it goes any further, and most bills that reach a committee never leave it. A committee that simply does nothing kills a bill without anyone ever voting against it, so no news from here is usually the news.

Its path through Congress

  1. Introduced
  2. Passed House 270–155
  3. In Senate committee

What this bill would do

The Main Street Capital Access Act aims to improve Federal banking laws and promote local community access to banking. It includes provisions to facilitate new bank formations, enhance transparency through annual reports, and tailor regulations for smaller institutions. The bill establishes a new system for fair bank supervision, including an Office of Independent Examination Review, and modernizes the Federal Reserve's discount window. Additionally, the legislation introduces new protocols for merger application reviews and bank resolution processes. It mandates specific timelines for merger applications and updates regulations regarding merchant banking and financial technology partnerships.

Yes· 3 of 13

  • Scored +6

    Would business owners be better off under this?

    The bill reduces regulatory burdens and eases hurdles for bank mergers and fintech partnerships.

  • Scored +5

    Does this make it easier to run a small business?

    The bill provides relief to small bank holding companies and community banks through tailored regulations and easier merger processes.

  • Scored +5

    Does this make what the government does easier for the public to see?

    The bill mandates annual reports to Congress and requires the publication of various findings online.

The opposite

No question was scored the opposite.

What Congress actually voted on

2 recorded votes have been taken on this bill. One of them decided something; the rest moved it along.

  • The House: the vote on whether to pass the bill This is the real decision in this chamber. Passing here sends the bill to the other chamber, which must pass it too before it can go to the President. Passed 270 yes · 155 no

    See who voted how →

    07/21/2026 · Roll call 271 · recorded as “On Passage”