Main Street Capital Access Act

Where it stands

1. Introduced Done · Jan 7, 2026
2. Committee Done · Jan 7, 2026
3. Passed House Done · Jul 21, 2026
4. Passed Senate Not yet
5. President Not yet
6. Law Not yet

From the official actions on Congress.gov.

Key points

What it changes

A plain-language summary isn't ready yet. The official summary below describes the bill.

Who it affects

A plain-language summary isn't ready yet. The official summary below describes the bill.

What it costs

No cost estimate yet.

Where it stands

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Jul 22, 2026)

What happens next

The Senate would need to pass it next.

Official summary

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. Financial regulators must (1) tailor regulatory actions to limit burdens on financial institutions and must consider the institutions' risk profiles and business models, and (2) review their regulations more frequently and expand the scope of these reviews. The bill eases requirements regarding bank mergers, for example, by allowing financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic. The bill increases the dollar asset thresholds for various fees, reporting requirements, and other regulatory requirements so that more financial companies and banks are exempt from these requirements. For example, the bill increases the total asset threshold above which financial holding companies need Federal Reserve Board approval to acquire a company, thereby allowing for more acquisitions without board approval. The bill also raises certain asset thresholds so as to allow additional small bank holding companies to operate with higher debt levels and additional small banks to qualify for a longer examination cycle. The bill also provides flexibilities regarding the use of reciprocal deposits, the resolution of failed banks, and other regulated activities.

Summary by the Congressional Research Service (Reported to House version), via Congress.gov. These are proposed provisions, not enacted law.

Recorded votes

1. HOUSEFinal passageJul 21, 2026 · roll call 271

   On Passage: Passed (270–155)

   This vote decided whether the bill passes this chamber.
   Votes by party

   How each party voted on roll call 271

   Party	Yes	No	Present	Did not vote	Share voting Yes
   Democratic	56	154	1	1
   Republican	213	1	0	4
   Independent	1	0	0	0

   Party totals from the official roll call.

   Office of the Clerk, U.S. House ↗ — includes how every member voted

2. HOUSEProceduralJul 21, 2026 · roll call 270

   On Motion to Recommit: Failed (210–216)

   This vote set how the bill is debated. It is not a vote for or against the bill.
   Votes by party

   How each party voted on roll call 270

   Party	Yes	No	Present	Did not vote	Share voting Yes
   Democratic	210	1	0	1
   Republican	0	214	0	4
   Independent	0	1	0	0

   Party totals from the official roll call.

   Office of the Clerk, U.S. House ↗ — includes how every member voted

Vote types come from the official question text. How we label votes

Legislative history

1. Jul 22, 2026Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
2. Jul 21, 2026Motion to reconsider laid on the table Agreed to without objection.
3. Jul 21, 2026On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271). (text of amendment in the nature of a substitute: CR H4708-4722)
4. Jul 21, 2026Passed/agreed to in House: On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271). (text of amendment in the nature of a substitute: CR H4708-4722)
5. Jul 21, 2026On motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).
6. Jul 21, 2026Considered as unfinished business. (consideration: CR H5018-5019)
7. Jul 21, 2026POSTPONED PROCEEDINGS - At the conclusion of debate on H.R. 6955, the Chair put the question on motion to recommit and by voice vote, announced that the noes had prevailed. Ms. Garcia (TX) demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
8. Jul 21, 2026The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
9. Jul 21, 2026Ms. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)
10. Jul 21, 2026The previous question was ordered pursuant to the rule.
11. Jul 21, 2026DEBATE - The House proceeded with one hour of debate on H.R. 6955.
12. Jul 21, 2026Rule provides for consideration of H.R. 8800, H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955 and H.R. 9770. The resolution provides for consideration of H.R. 8800 under a structured rule and for consideration of H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955, and H.R. 9770 under a closed rule, with one hour of debate on each measure and one motion to recommit on H.R. 8800, H.R. 8884, H.R. 7008, H.R. 6955, and H.R. 9770.
13. Jul 21, 2026Considered under the provisions of rule H. Res. 1438. (consideration: CR H4707-4731)
14. Jul 20, 2026Rules Committee Resolution H. Res. 1438 Reported to House. Rule provides for consideration of H.R. 8800, H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955 and H.R. 9770. The resolution provides for consideration of H.R. 8800 under a structured rule and for consideration of H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955, and H.R. 9770 under a closed rule, with one hour of debate on each measure and one motion to recommit on H.R. 8800, H.R. 8884, H.R. 7008, H.R. 6955, and H.R. 9770.
15. Apr 20, 2026Placed on the Union Calendar, Calendar No. 535.
16. Apr 20, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
17. Apr 20, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
18. Mar 4, 2026Ordered to be Reported by the Yeas and Nays: 26 - 16.
19. Mar 4, 2026Committee Consideration and Mark-up Session Held
20. Jan 7, 2026Referred to the House Committee on Financial Services.
21. Jan 7, 2026Introduced in House
22. Jan 7, 2026Introduced in House