S. 3849

Summary

S. 3849, the Community Bank Relief Act, was introduced in the Senate on Feb 11, 2026 by Sen. Ted Cruz (R) with 1 co-sponsor. It was referred to Banking, Housing, And Urban Affairs, and last saw action on Feb 11, 2026: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Record

Text

S. 3849 has 1 co-sponsor.

119 S3849 IS: Community Bank Relief Act
 U.S. Senate
 2026-02-11
 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.
 II  119th CONGRESS  2d Session  S. 3849  IN THE SENATE OF THE UNITED STATES   February 11, 2026   Mr. Cruz  (for himself and  Mrs. Britt ) introduced the following bill; which was read twice and referred to the  Committee on Banking, Housing, and Urban Affairs    A BILL
To amend the Electronic Fund Transfer Act to adjust certain thresholds for inflation.
1.
Short title
This Act may be cited as the   Community Bank Relief Act  .
2.
Reasonable fees and rules for payment card transactions
Section 921(a)(6) of the Electronic Fund Transfer Act ( 15 U.S.C. 1693o–2(a)(6) ) is amended—
(1)
by redesignating subparagraph (B) as subparagraph (C); and
(2)
by inserting after subparagraph (A) the following:
(B)
Inflation adjustments
(i)
In general
Except as provided in clause (ii), not later than July 1, 2026, and not later than January 15 of every year thereafter, the amount described in subparagraph (A) shall be adjusted by the annual percentage increase in the Consumer Price Index for the month of October.
(ii)
Exception
Prior to the first adjustment made under clause (i), the Board shall adjust the amount described in subparagraph (A) by the percentage by which—
(I)
the Consumer Price Index for October 2025, exceeds
(II)
the Consumer Price Index for October 2009.
 .

Tracker

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

A bill to amend the Electronic Fund Transfer Act to adjust certain thresholds for inflation.

Sponsors

Sen. Ted Cruz (R) sponsors S. 3849, and 1 member has co-sponsored it from the day it was introduced.

Ted Cruz

Sen. · R–TX · Sponsor

Introduced Feb 11, 2026

Katie Boyd Britt

Sen. · R–AL · Co-sponsor

Joined Feb 11, 2026 · Original

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Committees

S. 3849 went before 1 committee: Banking, Housing, and Urban Affairs.

Banking, Housing, and Urban Affairs

Banking, Housing, and Urban Affairs

Referred To · Feb 11, 2026 · 465 Bills

Actions

S. 3849 has taken 2 actions since Feb 11, 2026.

Votes

S. 3849 has not gone to a roll call.

Related bills

1 bill is related to S. 3849, as Identical bill.

HR 7484Community Bank Relief ActFeb 11, 2026 · Referred to the House Committee on Financial Services. · Identical bill

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Titles

S. 3849 goes by 3 titles, 1 of them short titles.

• Community Bank Relief Act — Display Title
• Community Bank Relief Act — Short Title(s) as Introduced
• A bill to amend the Electronic Fund Transfer Act to adjust certain thresholds for inflation. — Official Title as Introduced

Lobbying

4 clients hired 4 firms and 21 registered lobbyists who named S. 3849 in 8 quarterly filings, 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 Banking, Agriculture, Financial Institutions/Investments/Securities, Budget/Appropriations, Consumer Issues/Safety/Products, Environment/Superfund, Food Industry (safety, labeling, etc.), Health Issues.

Clients

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

Firms

Registrants who filed on the bill, by filings.

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 21.

Filings

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

Classification

The Congressional Research Service files S. 3849 under Finance and Financial Sector, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; S. 3849’s is Finance and Financial Sector.

Source: congress.gov · legiscan.com