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

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119th CONGRESS
  1st Session
                                H. R. 5276

     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

_______________________________________________________________________

                                 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).

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, 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).
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