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H.R. 6536

U.S. House•House Floor Calendar

Summary

H.R. 6536, the Rural Depositories Revitalization Study Act, was introduced in the House on Dec 9, 2025 by Rep. Ralph Norman (R) with 3 co-sponsors. It last saw action on Feb 2, 2026: Placed on the Union Calendar, Calendar No. 404.

Record

Text

H.R. 6536 has 3 co-sponsors.

hb6536/introduced-in-house.txt
119 HR 6536 IH: Rural Depositories Revitalization Study Act
 U.S. House of Representatives
 2025-12-09
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 I  119th CONGRESS  1st Session  H. R. 6536  IN THE HOUSE OF REPRESENTATIVES   December 9, 2025   Mr. Norman  introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To require the Federal banking agencies to study improving the growth, capital adequacy, and profitability of rural depository institutions, and for other purposes.
1.
Short title
This Act may be cited as the   Rural Depositories Revitalization Study Act  .
2.
Study on improving the growth, capital adequacy, and profitability of rural depository institutions
(a)
Study
The Federal banking agencies shall, jointly, carry out a study—
(1)
to identify methods to improve the growth, capital adequacy, and profitability of depository institutions in the United States that primarily serve rural areas; and
(2)
to identify Federal statutes or regulations of the Federal banking agencies that limit—
(A)
the methods identified under paragraph (1); or
(B)
the establishment of de novo depository institutions in rural areas.
(b)
Report
Not later than 6 months after the date of enactment of this Act, the Federal banking agencies shall, jointly, issue a report to Congress containing all findings and determinations made in carrying out the study required under subsection (a).
(c)
Definitions
In this section:
(1)
Depository institution
The term  depository institution  has the meaning given that term in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ).
(2)
Federal banking agencies
The term  Federal banking agencies  means the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation.

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2025-12-09
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

CRS Summary

The summaries are the Congressional Research Service’s, one per stage. Read them in full.

Reported to House Feb 2, 2026

hb6536/reported-to-house.md

Shown Here:
Reported to House (02/02/2026)

Rural Depositories Revitalization Study Act

This bill requires federal banking agencies to study and report on approaches to support rural depository institutions.

Specifically, the Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation must jointly (1) study and report on methods to improve the growth, capital adequacy, and profitability of rural depository institutions; and (2) identify statutes and regulations that limit such methods or prevent the establishment of new rural depository institutions.

Sponsors

Rep. Ralph Norman (R) sponsors H.R. 6536, and 3 members have co-sponsored it.

Committees

H.R. 6536 went before 1 committee: Financial Services.

Financial Services
Financial Services
Reported By · Feb 2, 2026 · 559 Bills

Reports

1 committee report has been filed on H.R. 6536, the latest H. Rept. 119-473.

Actions

H.R. 6536 has taken 7 actions since Dec 9, 2025, the latest on Feb 2, 2026.

ChamberAction
Feb 2, 2026
House
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-473.Financial Services Committee
Feb 2, 2026
House
Placed on the Union Calendar, Calendar No. 404.
Dec 17, 2025
House
Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 0.Financial Services Committee
Dec 17, 2025
House
Committee Consideration and Mark-up Session HeldFinancial Services Committee
Dec 16, 2025
House
Committee Consideration and Mark-up Session HeldFinancial Services Committee

Votes

H.R. 6536 has not gone to a roll call.

1 bill is related to H.R. 6536.

Titles

H.R. 6536 goes by 4 titles, 2 of them short titles.

  • Rural Depositories Revitalization Study Act — Short Title(s) as Reported to House
  • Rural Depositories Revitalization Study Act — Display Title
  • Rural Depositories Revitalization Study Act — Short Title(s) as Introduced
  • To require the Federal banking agencies to study improving the growth, capital adequacy, and profitability of rural depository institutions, and for other purposes. — Official Title as Introduced

Lobbying

2 clients hired 2 firms and 43 registered lobbyists who named H.R. 6536 in 5 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Agriculture, Banking, Housing, Taxation/Internal Revenue Code, Accounting, Bankruptcy, Budget/Appropriations, Copyright/Patent/Trademark.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
AMERICAN BANKERS ASSOCIATION—District of Columbia13—
INDEPENDENT COMMUNITY BANKERS OF AMERICA—District of Columbia12—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
AMERICAN BANKERS ASSOCIATION13—
INDEPENDENT COMMUNITY BANKERS OF AMERICA12—

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 43.

LobbyistFirmsClientsFilings
ALEX CATANESE113
ALISON TOUHEY113
ANTHONY PARDAL113
BLAKE EARLEY113
CHRIS FISHER113
EDWARD CONNOR113
EDWIN ELFMANN113
FRANK PIGULSKI113
HUGH CARNEY113
JENNIFER HATTEN113
JESS SHARP113
JOHN KEVIN MCKECHNIE113
JOSEPH PIGG113
JOSHUA STEIN113
JUSTIN MELVIN113
KIRSTEN SUTTON113
MICHAEL GULLETTE113
NAOMI CAMPER113
ROBERT FLOCK113
ROBERT NICHOLS113

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2026 second_quarter$3.5M2nd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2026 first_quarter$3.1M1st Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2025 fourth_quarter$1.7M4th Quarter - Report
INDEPENDENT COMMUNITY BANKERS OF AMERICAINDEPENDENT COMMUNITY BANKERS OF AMERICA2025 fourth_quarter$1.3M4th Quarter - Report
INDEPENDENT COMMUNITY BANKERS OF AMERICAINDEPENDENT COMMUNITY BANKERS OF AMERICA2026 first_quarter$890K1st Quarter - Report

Classification

The Congressional Research Service files H.R. 6536 under Finance and Financial Sector, one of its 31 policy areas, and gives it 6 legislative subjects.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 6536’s is Finance and Financial Sector.

hr6536/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Legislative Subjects

H.R. 6536 carries 6 of CRS’s legislative subjects, from Bank accounts, deposits, capital to Rural conditions and development.

hr6536/subjects.txt
Bank accounts, deposits, capitalCongressional oversightFinancial services and investmentsGovernment information and archivesGovernment studies and investigationsRural conditions and development

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 6536, as entered in the Congressional Record.

[Congressional Record Volume 171, Number 207 (Tuesday, December 9, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. NORMAN:H.R. 6536.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8[Page H5113]

Source: congress.gov · legiscan.com