To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to adjust the Community Bank Leverage Ratio, and for other purposes.
Sponsors
Legislative Progress
ReportedReported with an amendment, committed to the Committee of the …
Mrs. Kim introduced the following bill; which was referred to …
Summary
What This Bill Does
Increases Community Bank Leverage Ratio eligibility from B to B in assets and lowers required capital ratio from 8-10% to 6-8%. Aims to encourage more banks to use simplified framework.
Who Benefits and How
- Community banks up to B become eligible for simplified capital rules
- Smaller community banks benefit from lower capital requirements
- Banking industry gains regulatory relief through expanded CBLR access
Who Bears the Burden and How
- Banking regulators must revise rules within 1 year
- Financial stability potentially at marginally higher risk from lower capital
Key Provisions
- Asset threshold raised from B to B
- Capital ratio range lowered from 8-10% to 6-8%
- Regulators must review how to encourage more opt-ins
- Focus on smallest qualifying banks
Evidence Chain:
This summary is derived from the structured analysis below. See "Detailed Analysis" for per-title beneficiaries/burden bearers with clause-level evidence links.
Primary Purpose
Raises community bank leverage ratio asset threshold and lowers capital requirement range
Policy Domains
Legislative Strategy
"Reduce regulatory burden on community banks through expanded simplified framework"
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology