Easing rules for community banks
What the bill does
This bill makes it easier to start new community banks and reduces regulations on small banks. It also requires more transparency from bank regulators and extends a program that helps community development financial institutions. The bill aims to help local banks serve their communities better.
The stakes
Community banks are important for lending to small businesses and local projects. This bill could make it easier for them to operate, but critics worry it might weaken oversight and increase risk.
How the chamber split
See how each member voted· all 425▸
What each side says
- Reduces unnecessary regulations on small banks, allowing them to focus on lending to local businesses and families.bill
- Makes it easier to start new community banks, which can increase competition and access to banking services in underserved areas.bill
- Increases transparency by requiring regulators to report on application times and reasons for denials, helping banks understand the process.bill
Each point links to its source. The views are attributed to those sources, not stated as ours.
From this bill outward
The bill
where every tie is measured fromWho paid lobbyists to work it
Direct tie24 groups · their total 2025 lobbying| Group | Issues | 2025 lobbying (all issues) | Has PAC? |
|---|---|---|---|
| STATE OF LOC NATION GLOBAL PUBLIC BENEFIT CORPORATION› | AdvocacyOtherBanking | $80M | ✗No PAC |
| CHAMBER OF COMMERCE OF THE U.S.A.› | EnergyBankingForeign | $70M | ✗No PAC |
| NATIONAL ASSOCIATION OF REALTORS› | Real EstateBankingInsurance | $54M | ✓NAORPAC |
| BUSINESS ROUNDTABLE INC› | EnergyBankingHealth | $34M | ✗No PAC |
| META PLATFORMS, INC. AND VARIOUS SUBSIDIARIES› | TechSports & MediaBanking | $26M | ✗No PAC |
| AMERICAN HOSPITAL ASSOCIATION› | HealthOtherForeign | $25M | ✓AHAP |
| AMERICAN MEDICAL ASSOCIATION› | HealthForeignOther | $23M | ✗No PAC |
| AARP› | BankingHealthTech | $21M | ✗No PAC |
| GENERAL MOTORS COMPANY› | TransportBankingForeign | $20M | ✓GMC |
| AMERICAN CHEMISTRY COUNCIL› | BankingEnergyTransport | $19M | ✓ACCP |
| CTIA - THE WIRELESS ASSOCIATION› | TechDefenseOther | $19M | ✓CTWAPAC |
| AMAZON.COM SERVICES LLC› | BankingTechLabor | $18M | ✓ASLSSFAP |
| AMERICA'S HEALTH INSURANCE PLANS, INC. (AHIP)› | HealthInsuranceBanking | $17M | ✓AHIPIPAP |
| LOCKHEED MARTIN CORPORATION› | DefenseOtherBanking | $16M | ✓LMP |
| RTX CORPORATION AND AFFILIATES› | DefenseOtherBanking | $14M | ✗No PAC |
| PHARMACEUTICAL CARE MANAGEMENT ASSOCIATION› | HealthTransportBanking | $14M | ✗No PAC |
| NCTA - THE INTERNET & TELEVISION ASSOCIATION› | TechBankingDefense | $14M | ✓NTITAPACN |
| GENERAL DYNAMICS CORP› | DefenseLaborOther | $13M | ✓GDCPACGDEP |
| AMGEN INC.› | HealthBankingTech | $13M | ✓AIP |
| GOOGLE CLIENT SERVICES LLC› | OtherLaborTech | $13M | ✗No PAC |
| COMCAST CORPORATION› | TechBankingOther | $13M | ✓CCPAC |
| FEDEX CORPORATION› | ForeignBankingTransport | $13M | ✓FCPAC |
| PFIZER INC› | ForeignHealthBanking | $13M | ✓PP |
| ALTRIA CLIENT SERVICES LLC› | HealthBankingOther | $12M | ✗No PAC |
Election money, in the distance
Background · not tied to this billBanking & Financial PACs -> the members who votedBanking & Financial PAC receipts$3.8M▸
- AMERICAN BANKERS ASSOCIATION PAC (BANKPAC)$563K
- AMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS POLITICAL ACTION COMMITTEE$373K
- ERNST & YOUNG POLITICAL ACTION COMMITTEE$302K
- UBS AMERICAS INC. POLITICAL ACTION COMMITTEE (UBS PAC)$268K
- DELOITTE POLITICAL ACTION COMMITTEE$243K
- THE FARM CREDIT COUNCIL POLITICAL ACTION COMMITTEE$230K
- AMERICA'S CREDIT UNIONS PAC OF CREDIT UNION NATIONAL ASSOCIATION, INC.$181K
- PRICEWATERHOUSECOOPERS POLITICAL ACTION COMMITTEE I$148K
- MORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE (MORPAC)$124K
- REGIONS FINANCIAL CORPORATION POLITICAL ACTION COMMITTEE$108K
- INVESTMENT COMPANY INSTITUTE POLITICAL ACTION COMMITTEE (ICI PAC)$70K
- ALLY FINANCIAL INC. ADVOCACY POLITICAL ACTION COMMITTEE$69K
- KPMG PARTNERS/PRINCIPALS AND EMPLOYEES PAC$67K
- AMERICAN FINANCIAL SERVICES ASSOCIATION PAC$64K
- BANK OF AMERICA CORPORATION FEDERAL PAC$60K
- STRUCTURED FINANCE COALITION POLITICAL ACTION COMMITTEE (STRUCTURED FINANCE PAC)$60K
- AMERICAN INVESTMENT COUNCIL POLITICAL ACTION COMMITTEE$60K
- THE GOLDMAN SACHS GROUP, INC. POLITICAL ACTION COMMITTEE$60K
- NATIONAL ASSOCIATION OF REAL ESTATE INVESTMENT TRUSTS, INC. POLITICAL ACTION COMMITTEE$58K
- CAPITAL ONE FINANCIAL CORP. ASSOC. POLITICAL FUND$50K
- BLACKROCK FUNDS SERVICES GROUP LLC POLITICAL ACTION COMMITTEE (BLACKROCK PAC)$48K
- WESTERN ALLIANCE BANCORPORATION POLITICAL ACTION COMMITTEE (WABPAC)$45K
- U.S. BANCORP FEDERAL POLITICAL ACTION COMMITTEE$40K
- THRIVENT FINANCIAL FOR LUTHERANS POLITICAL ACTION COMMITTEE$40K
- AMERICAN EXPRESS COMPANY POLITICAL ACTION COMMITTEE (AXPPAC)$40K
- FEDERAL BIPARTISAN VOLUNTARY PUBLIC AFFAIRS COMMITTEE OF THE PNC FINANCIAL SERVICES GROUP, INC. (PNC$38K
- PINNACLE WEST CAPITAL CORPORATION PAC$32K
- CITIGROUP INC. PAC - FEDERAL (CITI PAC - FEDERAL)$32K
- WELLS FARGO AND COMPANY EMPLOYEES GOOD GOVERNMENT FEDERAL FUND II$30K
- FMR LLC POLITICAL ACTION COMMITTEE - FEDERAL (FIDELITY PAC)$29K
- HUNTINGTON BANCSHARES INC. POLITICAL ACTION COMMITTEE (HBI-PAC)$25K
- LASTING INVESTMENTS STRENGTHENING AMERICA PAC$20K
- VISA, INC. POLITICAL ACTION COMMITTEE$20K
- THE CAPITAL GROUP COMPANIES INC POLITICAL ACTION COMMITTEE$20K
- SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION POLITICAL ACTION COMMITTEE$20K
- BREAD FINANCIAL HOLDINGS, INC. PAC (AKA BREAD FINANCIAL PAC)$20K
- THE SURETY & FIDELITY ASSOCIATION OF AMERICA POLITICAL ACTION COMMITTEE$18K
- FINANCIAL SERVICES INSTITUTE PAC$18K
- LPL FINANCIAL LLC POLITICAL ACTION COMMITTEE (LPL PAC)$13K
- CADENCE BANK PAC$13K
- SYNCHRONY FINANCIAL EMPLOYEES POLITICAL ACTION COMMITTEE (SYNCPAC)$10K
- REVENUE BASED FINANCE COALITION, INC. POLITICAL ACTION COMMITTEE$10K
- SMALL BUSINESS INVESTOR ALLIANCE PAC$10K
- CITIZENS FINANCIAL GROUP, INC. POLITICAL ACTION COMMITTEE (CITIZENS PAC)$10K
- SCHOOLSFIRST FEDERAL CREDIT UNION EMPLOYEES FEDERAL PAC$10K
- THE CARLYLE GROUP INC. PAC (AKA 'CARLYLE PAC')$10K
- FIDELITY NATIONAL FINANCIAL INC PAC 2001$10K
- MORGAN STANLEY POLITICAL ACTION COMMITTEE$10K
- COMMERCIAL REAL ESTATE FINANCE COUNCIL PAC$10K
- FIFTH THIRD BANCORP FEDERAL POLITICAL ACTION COMMITTEE$8K
- ATOMIC CREDIT UNION POLITICAL ACTION COMMITTEE (ACU PAC)$6K
- NATIONAL VENTURE CAPITAL ASSOCIATION VENTUREPAC$6K
- ZIONS BANCORPORATION PAC$5K
- TRUIST FINANCIAL CORPORATION FEDERAL PAC (FORMERLY SUNTRUST BANKS, INC. POLITICAL ACTION COMMITTEE)$5K
- AMERICAN SECURITIES ASSOCIATION POLITICAL ACTION COMMITTEE$1K
Banking & Financial PAC receipts$1.6M▸
- DELOITTE POLITICAL ACTION COMMITTEE$190K
- AMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS POLITICAL ACTION COMMITTEE$182K
- ERNST & YOUNG POLITICAL ACTION COMMITTEE$165K
- UBS AMERICAS INC. POLITICAL ACTION COMMITTEE (UBS PAC)$155K
- AMERICAN BANKERS ASSOCIATION PAC (BANKPAC)$116K
- PRICEWATERHOUSECOOPERS POLITICAL ACTION COMMITTEE I$108K
- AMERICA'S CREDIT UNIONS PAC OF CREDIT UNION NATIONAL ASSOCIATION, INC.$100K
- MORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE (MORPAC)$77K
- KPMG PARTNERS/PRINCIPALS AND EMPLOYEES PAC$75K
- THE FARM CREDIT COUNCIL POLITICAL ACTION COMMITTEE$43K
- THRIVENT FINANCIAL FOR LUTHERANS POLITICAL ACTION COMMITTEE$40K
- INVESTMENT COMPANY INSTITUTE POLITICAL ACTION COMMITTEE (ICI PAC)$39K
- SYNCHRONY FINANCIAL EMPLOYEES POLITICAL ACTION COMMITTEE (SYNCPAC)$30K
- BANK OF AMERICA CORPORATION FEDERAL PAC$28K
- NATIONAL ASSOCIATION OF REAL ESTATE INVESTMENT TRUSTS, INC. POLITICAL ACTION COMMITTEE$28K
- MORGAN STANLEY POLITICAL ACTION COMMITTEE$25K
- BLACKROCK FUNDS SERVICES GROUP LLC POLITICAL ACTION COMMITTEE (BLACKROCK PAC)$20K
- THE CAPITAL GROUP COMPANIES INC POLITICAL ACTION COMMITTEE$20K
- ALLY FINANCIAL INC. ADVOCACY POLITICAL ACTION COMMITTEE$18K
- WESTERN ALLIANCE BANCORPORATION POLITICAL ACTION COMMITTEE (WABPAC)$15K
- LIVE OAK BANK POLITICAL ACTION COMMITTEE$13K
- SMALL BUSINESS INVESTOR ALLIANCE PAC$13K
- COMMERCIAL REAL ESTATE FINANCE COUNCIL PAC$10K
- SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION POLITICAL ACTION COMMITTEE$10K
- STRUCTURED FINANCE COALITION POLITICAL ACTION COMMITTEE (STRUCTURED FINANCE PAC)$10K
- PINNACLE WEST CAPITAL CORPORATION PAC$10K
- UNITED WHOLESALE MORTGAGE PAC (UWM PAC)$10K
- U.S. BANCORP FEDERAL POLITICAL ACTION COMMITTEE$10K
- HUNTINGTON BANCSHARES INC. POLITICAL ACTION COMMITTEE (HBI-PAC)$10K
- REGIONS FINANCIAL CORPORATION POLITICAL ACTION COMMITTEE$10K
- THE CARLYLE GROUP INC. PAC (AKA 'CARLYLE PAC')$10K
- BMO FINANCIAL CORP GOOD GOVERNANCE FUND: FEDERAL (BMO PAC)$10K
- AMERICAN EXPRESS COMPANY POLITICAL ACTION COMMITTEE (AXPPAC)$9K
- CITIZENS FINANCIAL GROUP, INC. POLITICAL ACTION COMMITTEE (CITIZENS PAC)$8K
- FIFTH THIRD BANCORP FEDERAL POLITICAL ACTION COMMITTEE$8K
- VISA, INC. POLITICAL ACTION COMMITTEE$8K
- TRUIST FINANCIAL CORPORATION FEDERAL PAC (FORMERLY SUNTRUST BANKS, INC. POLITICAL ACTION COMMITTEE)$5K
- AMERICAN FINANCIAL SERVICES ASSOCIATION PAC$5K
- FIRST CAPITAL PAC$4K
Lobbying filings, contributions, and votes are public records shown side by side. The further down the chain, the further the money is from this bill. This page does not assert that money caused any vote.