U.S. Wealth WatcherCelebrating Political Fortunes
HR 6955 · 119th CongressIntroducedVoted Jul 21, 2026

Easing rules for community banks

Banking & Financial
The vote
270-155
+115 margin
Worked the bill
$573M
24 groups · their total 2025 lobbying
In the distance
$5.5M
election money · background
Summary

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.

Why it matters

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.

The vote

How the chamber split

270 yea · 155 nayPassed · 6 not voting
270 yes
155 no
Voted yes270
Rep 213Dem 56
Voted no155
Rep 1Dem 154
See how each member voted· all 425
Voted yes · 270
Aaron BeanR · FL
Andy BarrR · KY
Ann WagnerR · MO
Ben ClineR · VA
Brad KnottR · NC
Brian JackR · GA
Chip RoyR · TX
Cory MillsR · FL
Don BaconR · NE
Gabe EvansR · CO
Jeff CrankR · CO
Jeff HurdR · CO
Jim JordanR · OH
Joe WilsonR · SC
John JamesR · MI
John JoyceR · PA
Keith SelfR · TX
Kevin HernR · OK
Mike BostR · IL
Mike CareyR · OH
Mike EzellR · MS
Mike FloodR · NE
Mike KellyR · PA
Nancy MaceR · SC
Pat FallonR · TX
Ron EstesR · KS
Sam GravesR · MO
Tim MooreR · NC
Tom ColeR · OK
Tom EmmerR · MN
Tony WiedR · WI
Vince FongR · CA
Young KimR · CA
Adam GrayD · CA
Ami BeraD · CA
Derek TranD · CA
Jim CostaD · CA
Mike LevinD · CA
Susie LeeD · NV
Voted no · 155
Adam SmithD · WA
Al GreenD · TX
Dave MinD · CA
Dina TitusD · NV
Ed CaseD · HI
Gabe AmoD · RI
Glenn IveyD · MD
Grace MengD · NY
Greg CasarD · TX
Gwen MooreD · WI
Ilhan OmarD · MN
Jason CrowD · CO
Joe NeguseD · CO
Josh RileyD · NY
Judy ChuD · CA
Mark PocanD · WI
Nellie PouD · NJ
Paul TonkoD · NY
Raul RuizD · CA
Ro KhannaD · CA
Ted LieuD · CA
The debate

What each side says

Supporters
  • 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
Critics
  • Weakening regulations could increase the risk of bank failures and financial instability, as seen in past crises.report
  • The bill reduces oversight of bank mergers and acquisitions, which could lead to less competition and harm consumers.bill

Each point links to its source. The views are attributed to those sources, not stated as ours.

Follow the money

From this bill outward

The bill

where every tie is measured from
HR 6955Easing rules for community banksBanking & Financial

Who paid lobbyists to work it

Direct tie24 groups · their total 2025 lobbying
GroupIssues2025 lobbying
(all issues)
Has PAC?
STATE OF LOC NATION GLOBAL PUBLIC BENEFIT CORPORATIONAdvocacyOtherBanking$80MNo PAC
CHAMBER OF COMMERCE OF THE U.S.A.EnergyBankingForeign$70MNo PAC
NATIONAL ASSOCIATION OF REALTORSReal EstateBankingInsurance$54MNAORPAC
BUSINESS ROUNDTABLE INCEnergyBankingHealth$34MNo PAC
META PLATFORMS, INC. AND VARIOUS SUBSIDIARIESTechSports & MediaBanking$26MNo PAC
AMERICAN HOSPITAL ASSOCIATIONHealthOtherForeign$25MAHAP
AMERICAN MEDICAL ASSOCIATIONHealthForeignOther$23MNo PAC
AARPBankingHealthTech$21MNo PAC

Election money, in the distance

Background · not tied to this billBanking & Financial PACs -> the members who voted
▲ Voted yes270
56 Dem213 Rep
Banking & 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
Members covered179 / 270
Avg per covered$21K
▼ Voted no155
154 Dem1 Rep
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
Members covered75 / 155
Avg per covered$22K

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.