Main Street Capital Access Act
Introduced
Moved
Reached a final decision
Introduced 2026-01-07
Derived from the official record below.
Officially: “Main Street Capital Access Act” Read the full text
Finance and Financial Sector
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 t
Summary by the Congressional Research Service, from the official record. Plain-language AI rewrite coming. Not legal advice.
Where it is
Introduced · 2026-01-07
In the House.
Passed the House · 2026-07-21
Senate floor vote · next
Official documents
The numbers
29%
of bills that passed one chamber became law in the 118th Congress, 2023 to 2024 (n=939)
34
sponsors, out of 218 needed to pass
Who is lobbying on this
CHAMBER OF COMMERCE OF THE U.S.A.via CHAMBER OF COMMERCE OF THE U.S.A.
3 filingsAMERICAN BANKERS ASSOCIATIONvia AMERICAN BANKERS ASSOCIATION
2 filingsAMERICAN FINTECH COUNCILvia AMERICAN FINTECH COUNCIL
2 filingsAMERICANS FOR FINANCIAL REFORMvia AMERICANS FOR FINANCIAL REFORM
2 filingsCOMMUNITY BANK ADVISORY SERVICES, LLCvia COMMUNITY BANK ADVISORY SERVICES, LLC
2 filingsCOMMUNITY BANKERS ASSOCIATION OF ILLINOISvia COMMUNITY BANKERS ASSOCIATION OF ILLINOIS
2 filingsCREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSvia CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS
2 filingsGOWEST CREDIT UNION ASSOCIATIONvia GOWEST CREDIT UNION ASSOCIATION
2 filingsFrom 26 filings in federal lobbying disclosures (LDA), via lda.gov, naming this bill (2026). Filings are self-reported by lobbying firms and show who is paid to influence this bill. They do not say which side, or whether it worked.
Every fact on this page links to its source, starting with the official bill record. Last action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (2026-07-22).