Requires the Federal Reserve Board to designate one member with community bank experience to develop policy and oversee supervision of banks with less than $17 billion in total assets, and ties the dollar thresholds in that role to yearly growth in the nation's GDP.

Official title: Community Bank Representation Act

Next stop House floor: awaiting a vote

Timeline each lane is a chamber; dates pull from congress.gov actions

House

Introduced 10-DEC-2025

Referred 10-DEC-2025

Approved by committee 17-DEC-2025

Reported 25-FEB-2026

On the calendar 25-FEB-2026

Key points

Requires the Chairman to select one Board member with community bank experience to develop policy recommendations and oversee supervision of banks with less than $17 billion in total assets.
Requires that member to appear at semi-annual hearings before the Senate Banking Committee and the House Financial Services Committee.
Requires the Board to adjust each dollar threshold in the provisions yearly by the percentage increase in nominal GDP, using Bureau of Economic Analysis figures.
Amends the Federal Financial Institutions Examination Council Act to require the Federal Reserve Governor who sits on the Council to consult with that community bank member.

AI-generated from the Reported in House text of 25-FEB-2026 · verify · report an error

Official CRS summary

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Committee referrals (1)

Policy area

Finance and Financial Sector

Sponsor Monica De La Cruz (R-TX) Cosponsors · 3

■ 3 R

3 Republicans

congress.gov page Reported in House (25-FEB-2026) Introduced in House (10-DEC-2025)