Main Street Act
Main Street Capital Access Act
Latest action (Jul 22, 2026) — Received in the Senate and Read twice and on Banking, Housing, and Urban Affairs.
What it does
Congressional Research Service, Apr 20, 2026Main 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.
Face Value
as passed the HouseHow much of this bill its name accounts for.
- Every bill starts at100
- Areas of law−8
Amends 2 titles of the US Code (5 and 31) rather than one.
- Length−2
35 sections, against 20 before length counts against a bill.
Face Value measures reach, not honesty. A big bill can be accurately named, and a low score is not an accusation — it means the contents reach further than any short title could describe. Count it yourself ↗ How this is worked out
What Congress did
2 recordeddecisive vote
House · Jul 21, 2026
Whether the bill passes the House. This is the vote most people mean.
On
House · Jul 21, 2026
The minority party's last attempt to change the bill by sending it back to committee. It usually fails and is usually about forcing an awkward vote.
Who lobbied on this
1 organizationThese organizations told Congress, in their own quarterly disclosures, that they were lobbying on this bill.
- Independent Community Bankers of Americano position stated
“…Monica De La Cruz) H.R. 6555 The Enhancing Bank Resolution Participation Act H.R. 6556 The Failing Bank Acquisitions Fairness Act H.R. 6955 Main Street Capital Access Act H.R. 7056 Community Bank Regulatory Tailoring Act H.R. 7548 The SCAM Act H.R. 7769 Municipal Investment and…” filing ↗
Most filings say only that an organization lobbied on a bill, not which side it took — where that's the case we say so rather than guessing. Quotes are verbatim from the filing. How this is built.
Discussion
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