amendments made by subsection (a) and the recommended 
modifications contained in such report. 
SEC. 3. REVIEW OF THE COMMUNITY BANK LEVERAGE 
RATIO. 
(a) IN GENERAL.—The Board of Governors of the Fed-
eral Reserve System, the Comptroller of the Currency, and 
the Federal Deposit Insurance Corporation shall commence 
a review of the Community Bank Leverage Ratio 
(‘‘CBLR’’) developed under section 201 of the Economic 
Growth, Regulatory Relief, and Consumer Protection Act 
(12 U.S.C. 5371 note), and rules issued thereunder, which 
shall include a consideration of how to modify and calibrate 
the CBLR to encourage 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 
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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 com-
munity banks; 
(C) the definition of and qualifying criteria 
for a qualifying community bank; 
(D) enhancements to the procedures for opt-
ing into or out of the CBLR framework, includ-
ing streamlined reporting and transition mecha-
nisms; 
(E) the grace period to facilitate the transi-
tion 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 Eco-
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nomic Growth, Regulatory Relief, and Consumer Protection 
Act (12 U.S.C. 5371 note). 
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Union Calendar No. 319 
119TH CONGRESS 
1ST SESSION 
H. R. 5276 
[Report No. 119–367] 
A BILL 
To amend the Economic Growth, Regulatory Relief, 
and Consumer Protection Act to adjust the Com-
munity Bank Leverage Ratio, and for other pur-
poses. 
NOVEMBER 4, 2025 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
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