U.S. Congress legislation · 119th Congress
HB6955: Main Street Capital Access Act
Status: Passed one chamber, July 22, 2026
To make improvements to the Federal banking laws, and for other purposes.
What the bill says
An act To make improvements to the Federal banking laws, and for other purposes.
From the introduced text, July 22, 2026:
AN ACT To make improvements to the Federal banking laws, and for other purposes. SECTION 1. Short title; table of contents (a) Short title This Act may be cited as the Main Street Capital Access Act or the Main Street Act . (b) Table of contents The table of contents for this Act is as table of contents. Title I--New Bank Formation and Local Community Access Sec. 101. Promoting New Bank Formation. Sec. 102. New Bank Application Numbers Knowledge. Sec. 103. CDFI Fund Transparency. Sec. 104. CDFI Bond Guarantee Improvement. Title II--Tailoring Bank Regulation Sec. 201. Taking Account of Institutions with Low Operation Risk. Sec. 202. Small Bank Holding Company Relief. Sec. 203. Tailoring and Indexing Enhanced Regulations. Sec. 204. Community Bank Regulatory Tailoring. Title III--Fair and Transparent Bank Supervision Sec. 301. Halting Uncertain Methods and Practices in Supervision. Sec. 302. Fair Audits and Inspections for Regulators' Exams. Sec. 303. Supervisory Modifications for Appropriate Risk-based Testing. Sec. 304. Financial Integrity and Regulation Management. Title IV--Regulatory Accountability and Transparency Sec. 401. FDIC Board Accountability. Sec. 402. Stop Agency Fiat Enforcement of Guidance. Sec. 403. Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow. Title V--Strengthening Local Bank Funding Sec. 501. Bringing the Discount Window into the 21st Century. Sec. 502. Keeping Deposits Local. Title VI--Promoting Bank Competition and Merger Clarity Sec. 601. Bank …
Sponsors
- French Hill (R, HD-AR-2) · primary sponsor
- Garland Barr (R, HD-KY-6)
- Bill Huizenga (R, HD-004)
- Frank Lucas (R)
- Pete Sessions (R, HD-017)
- Ann Wagner (R, HD-002)
- Roger Williams (R, HD-TX-25)
- Tom Emmer (R, HD-006)
- Barry Loudermilk (R, HD-011)
- Warren Davidson (R, HD-008)
- John Rose (R, HD-006)
- Bryan Steil (R, HD-001)
Latest actions
- : Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- : Motion to reconsider laid on the table Agreed to without objection.
- : 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)
- : Passed/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)
- : Passed/agreed to in House: On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271).
- : On motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).
- : Considered as unfinished business. (consideration: CR H5018-5019)
- : POSTPONED 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.
- : The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
- : Ms. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)
Votes
- On Passage (July 21, 2026): 270 yea, 155 nay, passed
- On Motion to Recommit (July 21, 2026): 210 yea, 216 nay, failed
Subjects: Fraud offenses and financial crimes, Data collection, sharing, protection, Government ethics and transparency, public corruption, Consumer Financial Protection Bureau, Economic performance and conditions, Corporate finance and management, Administrative law and regulatory procedures, Rural conditions and development
Common questions
- What is HB6955?
- HB6955 is a bill in Congress (119th Congress): Main Street Capital Access Act.
- What does HB6955 do?
- In its own words: An act To make improvements to the Federal banking laws, and for other purposes.
- What is the status of HB6955?
- Passed one chamber as of July 22, 2026. Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (July 22, 2026).
- Who sponsored HB6955?
- French Hill (R, HD-AR-2), with 11 co-sponsors.
- Where is the official record for HB6955?
- On the Congress website: https://www.congress.gov/bill/119th-congress/house-bill/6955
Source: official Congress record. Tracked by Delilah, AI for legislation across all 50 states and Congress.