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H.R. 5276 119th Congress House

Community Bank LIFT Act

Official title: To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to adjust the Community Bank Leverage Ratio, and for other purposes.

Introduced: September 10, 2025 Introduced by: Young Kim Republican · California See on congress.gov
Finance and Financial Sector Banking and financial institutions regulationCompetition and antitrustCorporate finance and management
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 Everywhere this bill has been 6 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Nov 4, 2025
Placed on the Union Calendar, Calendar No. 319.
Nov 4, 2025
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-367.
Sep 16, 2025
Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.
Sep 16, 2025
Committee Consideration and Mark-up Session Held
Sep 10, 2025
Introduced in House
Sep 10, 2025
Referred to the House Committee on Financial Services.
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What's happening now November 4, 2025

Placed on the Union Calendar, Calendar No. 319.

 Plain-English summary Congressional Research Service

Community Bank Leverage Improvement and Flexibility for Transparency Act or the Community Bank LIFT Act

This bill relaxes requirements related to the community bank leverage ratio, which is a simplified capital standard applicable to qualified community banks. Community banks qualify by having less than $10 billion in assets, along with meeting other criteria.

Specifically, the bill increases this asset limit to $15 billion. Additionally, it reduces the statutory range of the leverage ratio from 8%-10% to 6%-8%. (The specific rate is set by regulation. A reduction in the leverage ratio eases capital requirements.)

The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation must review and report on the leverage ratio and the rules issued to carry out its implementation. The report must include a consideration of how to modify the leverage ratio to encourage more participation in the community bank leverage ratio framework, with a focus on community banks with fewer assets and providing relief from regulatory compliance burdens.

After this report is issued, the participating agencies must propose and finalize rules to implement this bill and the recommendations contained in the report. 

 Hearings & markups 1
  • Various Measures
    Markup Sep 16, 2025 · 10:00 AM EDT · Financial Services Committee
 Bill text 2 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 12

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

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APA
U.S. Congress. (2026). H.R. 5276: Community Bank LIFT Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-5276/
MLA
"H.R. 5276: Community Bank LIFT Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-5276/.
Bluebook (legal)
H.R. 5276, 119th Cong. (2026), https://openamerica.io/bill/119-HR-5276/.
Markdown link
[H.R. 5276: Community Bank LIFT Act](https://openamerica.io/bill/119-HR-5276/)
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