H.R. 6955 · 119th Congress · 2025–2026
Main Street Capital Access Act
H.R. 6955 in the 119th Congress (2025–2026) has passed the house — introduced on Jan 7, 2026, sponsored by J. French Hill with 33 co-sponsors. Congress held 2 roll call votes on it.
During the 119th Congress (2025–2026), Donald Trump was president, and Republicans held majorities in both the House and Senate.
- Status
- Passed the House
- Introduced
- Jan 7, 2026
- Co-sponsors
- 33
- Policy area
- Finance and Financial Sector
- Groups that lobbied
- 12
What it does
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.
Summary by the nonpartisan Congressional Research Service.
Sponsor
J. French Hill (R-AR). Co-sponsors: 33 Republicans.
Where it stands
- IntroducedJan 7, 2026
- Passed the HouseJul 21, 2026
- Passed the Senate—
- Sent to the President—
- Became law—
Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Jul 22, 2026)
How Congress voted
- On Passage
House · Jul 21, 2026 · Passed270–155 - On Motion to Recommit
House · Jul 21, 2026 · Failed210–216
Every roll call vote on this bill
- Main Street ActHouse · Jul 21, 2026
- Main Street ActHouse · Jul 21, 2026
More bills from J. French Hill in the 119th Congress
- H.R. 6644: Housing for the 21st Century Act
- H.R. 3187: To require the Secretary of Agriculture to convey a parcel of property of the Forest Service to…
- H.R. 3394: Fair Investment Opportunities for Professional Experts Act
- H.R. 3633: Digital Asset Market Clarity Act of 2025
- H.R. 5317: Community Bank Deposit Access Act of 2025
- H.R. 8513: PROTECT Act
- H.R. 8791: IGNITE HBCU Excellence Act
- H.R. 9148: Scipio Jones House Assessment Act
- H.R. 10442: To require the Ronald A. Robinson Post Office in Little Rock, Arkansas, to replace certain…
- H.R. 10477: Small Business Audit Correction Act of 2026
Other Finance and Financial Sector bills in the 119th Congress
- S.J.Res. 18: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection…
- S.J.Res. 28: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection…
- S.J.Res. 13: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- S. 1582: Guiding and Establishing National Innovation for U.S. Stablecoins Act
- H.R. 2808: Homebuyers Privacy Protection Act
- S. 3424: Bankruptcy Administration Improvement Act of 2025
- S. 100: Repealing Big Brother Overreach Act
- S.J.Res. 141: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- H.J.Res. 160: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
- H.J.Res. 161: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
Who lobbied on it
12 organizations named this bill in lobbying reports (Jul 2025 – Sep 2026). Biggest spenders among them:
Committees
- Banking, Housing, and Urban Affairs Committee
- Financial Services Committee
More
From GovInfo bill records, Congressional Research Service summaries, Voteview roll calls and lobbying reports.
Cite or embed this page
Capitol Receipts, “H.R. 6955 (119th Congress): Main Street Capital Access Act,” https://www.capitolreceipts.com/bill/119-hr-6955/main-street-capital-access-act (accessed 2026-10-16).