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119th Congress Finance and Financial Sector

H.R. 6955: Main Street Capital Access Act

Passed HouseJul 21, 2026

  1. Introduced (completed)Jan 7, 2026
  2. Passed House (completed)Jul 21, 2026, 270–155
  3. Passed Senate (not reached)
  4. To the President (not reached)
  5. Became law (not reached)

Summary

Reported to House, Apr 20, 2026

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.

Read the full summary

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.

Written by the Congressional Research Service, Library of Congress.

Key votes

House final vote, Jul 21, 2026

On Passage

Passed 270–155

Yea 270majority 213Nay 155

  • Democrats56 yea, 154 nay
  • Republicans213 yea, 1 nay
  • Independents1 yea, 0 nay

Broke with their party: James Walkinshaw (D-VA), Debbie Wasserman Schultz (D-FL), Nikema Williams (D-GA), Gabriel (Gabe) Vasquez (D-NM), Derek Tran (D-CA), Ritchie Torres (D-NY), Mike Thompson (D-CA), Andrea Salinas (D-OR), Eric Sorensen (D-IL) and Hillary Scholten (D-MI) voted Yea; and 47 more

See how all 426 members voted

Showing 431 of 431 members

Yea 270

Republicans (213)

Democrats (56) broke with their party

Independents (1)

Nay 155

Republicans (1) broke with their party

Democrats (154)

Present 1

Democrats (1)

Not voting 5

Republicans (4)

Democrats (1)

Senate

Not yet voted

Passed the House Jul 21, 2026. Awaiting Senate action.

Roll calls

2 votes on this bill

Showing 2 of 2 roll calls

  • Jul 21, 2026HouseOn PassageFinal passagePassed, yea-nay 270–155
    Roll call 271 tally by party
    PartyYeaNayPresentNot voting
    Democrats5615411
    Republicans213104
    Independents1000
    Total27015515

    House roll call 271: On Passage. Passed.

    57 crossed party lines: 56 Democrats, 1 Republican

    How each member voted (431)
  • Jul 21, 2026HouseMotion to recommitFailed, yea-nay 210–216
    Roll call 270 tally by party
    PartyYeaNayPresentNot voting
    Democrats210101
    Republicans021404
    Independents0100
    Total21021605

    House roll call 270: On Motion to Recommit. Failed.

    1 crossed party lines: 1 Democrat

    How each member voted (431)

Amendments

0 offered

No amendments were offered to this bill.

Cosponsors

33

Who scored on this bill

548 points earned
  1. 1J. Hill R-AR SponsorReached a cosponsor milestone, introduced, marked up, reported, passed House5 events+68
  2. 2Hillary Scholten D-MI2 maverick votes2 events+12
  3. 3Ami Bera D-CA1 maverick vote1 event+6
  4. 3Brendan Boyle D-PA1 maverick vote1 event+6
  5. 3Nicole (Nikki) Budzinski D-IL1 maverick vote1 event+6
See all scorers and every scoring event

Introductions and cosponsorships count toward weekly caps and show no points.

Other bills by J. Hill

History

  1. Jul 21, 2026Passed the House, 270–155.
  2. Jan 7, 2026Introduced in the House by J. Hill.
Show the full action history (26 actions)
  1. Jul 22, 2026Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. Jul 21, 2026Passed/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)
  3. Jul 21, 2026Considered under the provisions of rule H. Res. 1438. (consideration: CR H4707-4731)
  4. Jul 21, 2026Ms. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)
  5. Jul 21, 2026Considered as unfinished business. (consideration: CR H5018-5019)
  6. Jul 21, 2026On 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)
  7. Jul 21, 2026Considered under the provisions of rule H. Res. 1438.
  8. Jul 21, 2026Rule 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.
  9. Jul 21, 2026DEBATE - The House proceeded with one hour of debate on H.R. 6955.
  10. Jul 21, 2026The previous question was ordered pursuant to the rule.
  11. Jul 21, 2026Ms. Garcia (TX) moved to recommit to the Committee on Financial Services.
  12. Jul 21, 2026The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
  13. Jul 21, 2026POSTPONED 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.
  14. Jul 21, 2026Considered as unfinished business.
  15. Jul 21, 2026On motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).
  16. Jul 21, 2026Passed/agreed to in House: On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271).
  17. Jul 21, 2026On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271).
  18. Jul 21, 2026Motion to reconsider laid on the table Agreed to without objection.
  19. Jul 20, 2026Rules 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.
  20. Jul 20, 2026Rules 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 H.R. 8800, H.R. 8844, H.R. 7008, H.R. 6955, and H.R. 9770.
  21. Apr 20, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
  22. Apr 20, 2026Placed on the Union Calendar, Calendar No. 535.
  23. Mar 4, 2026Committee Consideration and Mark-up Session Held
  24. Mar 4, 2026Ordered to be Reported by the Yeas and Nays: 26 - 16.
  25. Jan 7, 2026Introduced in House
  26. Jan 7, 2026Referred to the House Committee on Financial Services.