I 
119TH CONGRESS 
1ST SESSION H. R. 5276 
To amend the Economic Growth, Regulatory Relief, and Consumer Protection 
Act to adjust the Community Bank Leverage Ratio, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 10, 2025 
Mrs. KIM introduced the following bill; which was referred to the Committee 
on Financial Services 
A BILL 
To amend the Economic Growth, Regulatory Relief, and 
Consumer Protection Act to adjust the Community Bank 
Leverage Ratio, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Community Bank Le-
verage Improvement and Flexibility for Transparency 
Act’’ or the ‘‘Community Bank LIFT Act’’. 
SEC. 2. COMMUNITY BANK LEVERAGE RATIO. 
(a) IN GENERAL.—Section 201 of the Economic 
Growth, Regulatory Relief, and Consumer Protection Act 
(12 U.S.C. 5371 note) is amended— 
VerDate Sep 11 2014 
23:53 Sep 15, 2025
Jkt 059200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H5276.IH
H5276
ssavage on LAPJG3WLY3PROD with BILLS
(1) 
in 
subsection 
(a)(3)(A), 
by 
striking 
‘‘$10,000,000,000’’ 
and 
inserting 
‘‘$15,000,000,000’’; and 
(2) in subsection (b)(1), by striking ‘‘not less 
than 8 percent and not more than 10 percent’’ and 
inserting ‘‘not less than 6 percent and not more 
than 8 percent’’. 
(b) RULEMAKING DEADLINE.—Not later than the 
end of the 180-day period beginning on the date of enact-
ment of this Act, and after reviewing the report issued 
pursuant to section 3(b), the Board of Governors of the 
Federal Reserve System, the Comptroller of the Currency, 
and the Federal Deposit Insurance Corporation shall pro-
pose and, not later than 1 year after the date of the enact-
ment of this Act, such agencies shall finalize rules to carry 
out the amendments made by subsection (a). 
SEC. 3. REVIEW OF THE COMMUNITY BANK LEVERAGE 
RATIO. 
(a) IN GENERAL.—The Board of Governors of the 
Federal Reserve System, the Comptroller of the Currency, 
and the Federal Deposit Insurance Corporation shall com-
mence a review of the Community Bank Leverage Ratio 
(‘‘CBLR’’) developed under section 201 of the Economic 
Growth, Regulatory Relief, and Consumer Protection Act, 
and rules issued thereunder, which shall include a consid-
VerDate Sep 11 2014 
23:53 Sep 15, 2025
Jkt 059200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H5276.IH
H5276
ssavage on LAPJG3WLY3PROD with BILLS
eration of how to modify and calibrate the CBLR to en-
courage more qualifying community banks to opt-in to the 
CBLR framework, with an additional focus on— 
(1) those qualifying community banks with 
fewer assets; and 
(2) providing regulatory compliance burden re-
lief so that the CBLR is simple to apply. 
(b) REPORT.—Not later than the end of the 150-day 
period beginning on the date of enactment of this Act, the 
Board of Governors of the Federal Reserve System, the 
Comptroller of the Currency, and the Federal Deposit In-
surance Corporation shall issue a report to the Committee 
on Financial Services of the House of Representatives and 
the Committee on Banking, Housing, and Urban Affairs 
of the Senate containing— 
(1) all findings and determinations made in car-
rying out the review under subsection (a); and 
(2) specific recommendations on modifications, 
if any, to— 
(A) the calculation of the numerator and 
denominator of the CBLR; 
(B) the treatment of specific asset classes 
or exposures to better reflect the risk profiles of 
community banks; 
VerDate Sep 11 2014 
23:53 Sep 15, 2025
Jkt 059200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H5276.IH
H5276
ssavage on LAPJG3WLY3PROD with BILLS
(C) the definition of and qualifying criteria 
for a qualifying community bank; 
(D) enhancements to the procedures for 
opting into or out of the CBLR framework, in-
cluding streamlined reporting and transition 
mechanisms; 
(E) the grace period to facilitate the tran-
sition to and from a modified CBLR regime; 
and 
(F) any statutory changes that may be 
needed to address such recommendations. 
(c) QUALIFYING COMMUNITY BANK DEFINED.—In 
this section, the term ‘‘qualifying community bank’’ has 
the meaning given that term in section 201(a)(3)(A) of 
the Economic Growth, Regulatory Relief, and Consumer 
Protection Act (12 U.S.C. 5371 note). 
Æ 
VerDate Sep 11 2014 
23:53 Sep 15, 2025
Jkt 059200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6301
E:\BILLS\H5276.IH
H5276
ssavage on LAPJG3WLY3PROD with BILLS