Main Street Capital Access Act

What this measure contains

Main Street Capital Access Act or the Main Street Act This bill lessens and otherwise modifies banking regulations, including those regarding institution formation, supervision by federal financial regulators, and bank merger requirements. Under the bill, new banks have a three-year phase-in period to meet certain capital requirements. The bill also reduces the leverage ratio for certain rural community banks. Financial regulators must (1) tailor regulatory actions to limit burdens on financial institutions and must consider the institutions' risk profiles and business models, and (2) review their regulations more frequently and expand the scope of these reviews. The bill eases requirements regarding bank mergers, for example, by allowing financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic. The bill increases the dollar asset thresholds for various fees, reporting requirements, and other regulatory requirements so that more financial companies and banks are exempt from these requirements. For example, the bill increases the total asset threshold above which financial holding companies need Federal Reserve Board approval to acquire a company, thereby allowing for more acquisitions without board approval. The bill also raises certain asset thresholds so as to allow additional small bank holding companies to operate with higher debt levels and additional small banks to qualify for a longer examination cycle. The bill also provides flexibilities regarding the use of reciprocal deposits, the resolution of failed banks, and other regulated activities.

The latest Congressional Research Service summary in the bill's GovInfo status record, or its official title when no summary has been published. Amendments can change the wording; read a specific version for its complete provisions.

Read the latest imported text

Bill text and versions

Drafts can change as a measure moves through Congress. Check the version attached to a recorded vote.

• Referred in Senate · Official document ↗· Jul 22, 2026
• Engrossed in House · Official document ↗· Jul 21, 2026
• Reported in House · Official document ↗· Apr 20, 2026
• Introduced in House · Official document ↗· Jan 7, 2026

Legislative path

Each stage below is a House or Senate floor decision: every recorded roll call on this measure, plus passage by voice vote or unanimous consent, which records no individual votes. Each stage shows the latest version published before that day; the chamber may have voted on an amended text. Roll calls name every member. A member's row follows their votes, and a highlighted vote marks where they voted for advancing the measure at one stage and against it at another (passage, cloture, motions to proceed, agreeing to the other chamber's version). Amendments and motions such as recommit or table don't count as a change, because an aye there isn't a vote for the measure.

1. Introduced in House
2. Reported in House
3. Engrossed in Houseby House passage
4. Referred in Senate

Decision stages

1. Jul 21, 2026 · House

   House motion to recommit on Reported in House: Failed

   210 aye · 216 no · 5 not voting · Source roll call

2. Jul 21, 2026 · House

   House passage on Reported in House: Passed, reported as Engrossed in House

   270 aye · 155 no · 1 present · 5 not voting · Source roll call

House members along the path

Aye yea or aye · No nay or no · Present · NV not voting · Changed reversed on advancing the measure

Members are identified by the Bioguide ID in each roll call, not by name. Not voting is not a no vote; a blank cell means the member wasn't listed for that roll call.Congress.gov actions ↗

Your lawmakers and participating residents.

Match an address to see your members of Congress' recorded votes on this bill. This address is used for matching and is not saved with a pilot response.

Legislative history

1. Jan 7, 2026

   Introduced in House

2. Jan 7, 2026

   Referred to the House Committee on Financial Services.

3. Mar 4, 2026

   Committee Consideration and Mark-up Session Held

4. Mar 4, 2026

   Ordered to be Reported by the Yeas and Nays: 26 - 16.

5. Apr 20, 2026

   Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.

6. Apr 20, 2026

   Placed on the Union Calendar, Calendar No. 535.

7. Jul 20, 2026

   Rules Committee Resolution H. Res. 1438 Reported to House. Rule provides for consideration of H.R. 8800, H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955 and H.R. 9770. The resolution provides for consideration of H.R. 8800 under a structured rule and for consideration of H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955, and H.R. 9770 under a closed rule, with one hour of debate on each measure and one motion to recommit on H.R. 8800, H.R. 8884, H.R. 7008, H.R. 6955, and H.R. 9770.

8. Jul 21, 2026

   Considered under the provisions of rule H. Res. 1438. (consideration: CR H4707-4731)

9. Jul 21, 2026

   Rule provides for consideration of H.R. 8800, H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955 and H.R. 9770. The resolution provides for consideration of H.R. 8800 under a structured rule and for consideration of H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955, and H.R. 9770 under a closed rule, with one hour of debate on each measure and one motion to recommit on H.R. 8800, H.R. 8884, H.R. 7008, H.R. 6955, and H.R. 9770.

10. Jul 21, 2026

    DEBATE - The House proceeded with one hour of debate on H.R. 6955.

11. Jul 21, 2026

    The previous question was ordered pursuant to the rule.

12. Jul 21, 2026

    Ms. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)

13. Jul 21, 2026

    The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.

14. Jul 21, 2026

    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.

15. Jul 21, 2026

    Considered as unfinished business. (consideration: CR H5018-5019)

16. Jul 21, 2026

    On motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).

17. Jul 21, 2026

    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)

18. Jul 21, 2026

    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)

19. Jul 21, 2026

    Motion to reconsider laid on the table Agreed to without objection.

20. Jul 22, 2026

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

Bill sponsors