Main Street Capital Access Act
Passed first chamber: it can still change before the session ends.
- Stage
- Passed first chamber
- Started in
- House
- Sponsors
- 34
- Latest action
- Jul 22, 2026
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. 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…
Official summary · Reported to House · Apr 20, 2026
Titles and provisions can change as the bill moves.
Where it stands
Introduced (Done)
Committee (Done)
Floor (Current step)
Law (Not started)
What moved
Who is involved
Sponsors
The lawmakers who put their names on it, lead sponsors first.
- J. Hill
- Andrew Garbarino
- Andrew Ogles
- Ann Wagner
- Barry Loudermilk
- Bill Huizenga
- Brad Knott
- Bryan Steil
- Byron Donalds
- Daniel Meuser
- Frank Lucas
- Garland Barr
- John Rose
- Julie Fedorchak
- Ken Calvert
- Lisa McClain
- Maria Salazar
- Marlin Stutzman
- Michael Lawler
- Mike Flood
- Mike Haridopolos
- Mike Kennedy
- Mónica De La Cruz
- Pete Sessions
- Ralph Norman
- Roger Williams
- Scott Fitzgerald
- Tim Moore
- Tom Emmer
- Troy Downing
- Warren Davidson
- William Timmons
- Young Kim
- Zachary (Zach) Nunn
In the news
Reporting that may mention this subject. Possible matches are labeled.
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Where it goes next
While a bill can still move, the questions are about people and money.