HR 5276
Advanced toward a vote
Raises the asset ceiling for the Community Bank Leverage Ratio framework from $10 billion to $15 billion and lowers the required leverage ratio range from 8 to 10 percent down to 6 to 8 percent, while requiring federal bank regulators to review the framework and report recommendations to Congress.
Official title: Community Bank LIFT Act
Timeline each lane is a chamber; dates pull from congress.gov actions
House
Introduced
10-SEP-2025
Referred
10-SEP-2025
Approved by committee
16-SEP-2025
Reported
04-NOV-2025
On the calendar
04-NOV-2025
- Raises the asset threshold for the Community Bank Leverage Ratio in the Economic Growth, Regulatory Relief, and Consumer Protection Act from $10 billion to $15 billion.
- Changes the permitted leverage ratio range from 8 to 10 percent to 6 to 8 percent.
- Requires the Federal Reserve, the Comptroller of the Currency, and the FDIC to propose rules within 180 days and finalize them within 1 year of enactment.
- Requires those three agencies to review the framework and report recommendations to Congress within 150 days, with a focus on smaller community banks and simpler compliance.
Current. The Congressional Research Service's summary covers the bill's latest wording (Reported to House, 04-NOV-2025).
CRS is the Library of Congress's nonpartisan research office. Read it on congress.gov- Financial Services Committee (House)
Finance and Financial Sector
No cosponsors.