119-hr5276

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 5276 Reported in House

    (RH) ]

<DOC>

 Union Calendar No. 319
119th CONGRESS
 1st Session
 H. R. 5276

 [Report No. 119-367]

 To amend the Economic Growth, Regulatory Relief, and Consumer 
 Protection Act to adjust the Community Bank Leverage Ratio, and for 
 other purposes.

_______________________________________________________________________

 IN THE HOUSE OF REPRESENTATIVES

 September 10, 2025

 Mrs. Kim introduced the following bill; which was referred to the 
 Committee on Financial Services

 November 4, 2025

 Reported with an amendment, committed to the Committee of the Whole 
 House on the State of the Union, and ordered to be printed
 [Strike out all after the enacting clause and insert the part printed 
 in italic]
 [For text of introduced bill, see copy of bill as introduced on 
 September 10, 2025]

_______________________________________________________________________

 A BILL

 To amend the Economic Growth, Regulatory Relief, and Consumer 
 Protection Act to adjust the Community Bank Leverage Ratio, and for 
 other purposes.

 Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

 This Act may be cited as the ``Community Bank Leverage Improvement 
and Flexibility for Transparency Act'' or the ``Community Bank LIFT 
Act''.

SEC. 2. COMMUNITY BANK LEVERAGE RATIO.

    (a) In General.--

Section 201 of the Economic Growth, Regulatory 
Relief, and Consumer Protection Act (12 U.S.C. 5371 note) is amended--

    (1) in subsection

    (a)

    (3)
        (A) , by striking 
 ``$10,000,000,000'' and inserting ``$15,000,000,000''; and

    (2) in subsection

    (b)

    (1) , by striking ``not less than 8 
 percent and not more than 10 percent'' and inserting ``not less 
 than 6 percent and not more than 8 percent''.

    (b) Rulemaking Deadline.--Not later than the end of the 180-day 
period beginning on the date of enactment of this Act, and after 
reviewing the report issued pursuant to 

section 3

    (b) , the Board of 
Governors of the Federal Reserve System, the Comptroller of the 
Currency, and the Federal Deposit Insurance Corporation shall propose 
and, not later than 1 year after the date of the enactment of this Act, 
such agencies shall finalize rules to carry out the amendments made by 
subsection

    (a) and the recommended modifications contained in such 
report.

SEC. 3. REVIEW OF THE COMMUNITY BANK LEVERAGE RATIO.

    (a) In General.--The Board of Governors of the Federal Reserve 
System, the Comptroller of the Currency, and the Federal Deposit 
Insurance Corporation shall commence a review of the Community Bank 
Leverage Ratio (``CBLR'') developed under 

section 201 of the Economic 
Growth, Regulatory Relief, and Consumer Protection Act (12 U.S.C. 5371 
note), and rules issued thereunder, which shall include a consideration 
of how to modify and calibrate the CBLR to encourage more qualifying 
community banks to opt-in to the CBLR framework, with an additional 
focus on--

    (1) those qualifying community banks with fewer assets; and

    (2) providing regulatory compliance burden relief so that 
 the CBLR is simple to apply.

    (b) Report.--Not later than the end of the 150-day period beginning 
on the date of enactment of this Act, the Board of Governors of the 
Federal Reserve System, the Comptroller of the Currency, and the 
Federal Deposit Insurance Corporation shall issue a report to the 
Committee on Financial Services of the House of Representatives and the 
Committee on Banking, Housing, and Urban Affairs of the Senate 
containing--

    (1) all findings and determinations made in carrying out 
 the review under subsection

    (a) ; and

    (2) specific recommendations on modifications, if any, to--
        (A) the calculation of the numerator and 
 denominator of the CBLR;
        (B) the treatment of specific asset classes or 
 exposures to better reflect the risk profiles of 
 community banks;
            (C) the definition of and qualifying criteria for a 
 qualifying community bank;
            (D) enhancements to the procedures for opting into 
 or out of the CBLR framework, including streamlined 
 reporting and transition mechanisms;
        (E) the grace period to facilitate the transition 
 to and from a modified CBLR regime; and
        (F) any statutory changes that may be needed to 
 address such recommendations.
            (c) Qualifying Community Bank Defined.--In this section, the term 
``qualifying community bank'' has the meaning given that term in 

section 201

    (a)

    (3)
        (A) of the Economic Growth, Regulatory Relief, and 
Consumer Protection Act (12 U.S.C. 5371 note).
 Union Calendar No. 319

119th CONGRESS

 1st Session

 H. R. 5276

 [Report No. 119-367]

_______________________________________________________________________

 A BILL

 To amend the Economic Growth, Regulatory Relief, and Consumer 
 Protection Act to adjust the Community Bank Leverage Ratio, and for 
 other purposes.

_______________________________________________________________________

 November 4, 2025

 Reported with an amendment, committed to the Committee of the Whole 
 House on the State of the Union, and ordered to be printed