Community Bank Relief Act
Sponsored By: Senator Cruz, Ted [R-TX]
Introduced
Summary
Indexes a key Electronic Fund Transfer Act threshold to inflation. The Community Bank Relief Act would amend 15 U.S.C. 1693o-2(a)(6) to add automatic Consumer Price Index adjustments to the amount in subparagraph (A) and to redesignate the existing subparagraphs. It directs the Board of Governors of the Federal Reserve System to make an initial adjustment based on October 2025 versus October 2009 CPI and to complete that first adjustment by July 1, 2026. Thereafter the Board must apply annual CPI-based updates with adjustments due January 15 each year. No other substantive program changes or funding are included.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
Inflation adjustment for consumer protection threshold
This bill would require the Federal Reserve Board to adjust the dollar threshold in a consumer electronic payments protection rule for inflation. Before the first yearly update, the Board would change the amount by the percentage the October 2025 CPI is above the October 2009 CPI. The first regular adjustment would be due not later than July 1, 2026. After that, the Board would update the amount each year using the October CPI and publish the new amount by January 15. Banks, card issuers, merchants, payment networks, and consumers who use covered transactions would be affected.
Sponsors & CoSponsors
Sponsor
Cruz, Ted [R-TX]
TX • R
Cosponsors
Katie Britt
AL • R
Sponsored 2/11/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov