# 119-hr-5276: Community Bank LIFT Act

119-hr-5276, Community Bank LIFT Act, is a 119th Congress bill sponsored by Rep. Kim, Young [R-CA-40] (R-CA); status in_committee; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-5276
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-5276
- Congress: 119
- Title: Community Bank LIFT Act
- Status: in_committee
- Introduced: 2025-09-10
- Sponsor: Rep. Kim, Young [R-CA-40] (R-CA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Expand eligibility and ease capital rules for community banks.** This bill would raise the asset cutoff for the Community Bank Leverage Ratio from $10 billion to $15 billion and reduce the CBLR band from 8–10% to 6–8% to encourage more community banks to opt in. - Community banks. Smaller and mid‑sized community banks would qualify up to $15 billion in assets and could meet a lower leverage band of 6–8%, making the CBLR option simpler and more attractive. - Regulators. The Federal Reserve, the Office of the Comptroller of the Currency, and the FDIC would have 180 days to propose implementing rules and 1 year to finalize them to reflect the changes. - Review and future changes. The bill would require an interagency review and a report in 150 days with recommendations on ratio calculations, asset treatment, the qualifying‑bank definition, streamlined opt‑in/opt‑out rules, transition grace periods, and any statutory changes needed.

## Provisions PRIA read

- Simpler capital rules for community banks: benefit, medium. This bill would make it easier for community banks to use a simpler capital test. Banks with $15 billion or less in assets could opt in, up from $10 billion. The required leverage ratio band would drop to 6%–8%. The Federal Reserve, OCC, and FDIC would propose rules within 180 days and finish withi…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4393: DIGNIDAD (Dignity) Act of 2025
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-7333: Family Violence Prevention and Services Improvement Act of 2026

## Sources
- [119-hr-5276 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5276)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4393: DIGNIDAD (Dignity) Act of 2025](https://policyrisk.com/legislation/119-hr-4393)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-7333: Family Violence Prevention and Services Improvement Act of 2026](https://policyrisk.com/legislation/119-hr-7333)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5276 (as of 2026-09-21).