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The Quiet Ledger
hr 6955 · 119th Congress · House

Main Street Capital Access Act

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TQL analysis
C66
66 / 90 · methodology full_text_v3

The Main Street Capital Access Act aims to improve federal banking laws by promoting new bank formation, tailoring bank regulation, and enhancing transparency and accountability in bank supervision. The bill includes provisions for phased capital requirements, annual reporting on bank applications, and studies on rural banking. It seeks to benefit community banks and rural areas while ensuring regulatory oversight.

Legislative structure
Cosponsors
33 current · 33 total
Actions
22
Roll calls
2
Criterion breakdown8 criteria · max 90
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Recorded vote · House roll call 270 · 2026-07-21
210 Yea · 216 Nay · 0 Present · 5 Not voting — Failed
R
0214 (Yea–Nay)
D
2101 (Yea–Nay)
I
01 (Yea–Nay)
Revealed positions from the official roll call — factual, not an endorsement.
Actions (22)
DateTimeAction
2026-01-07Referred to the House Committee on Financial Services.
2026-01-07Introduced in House
2026-01-07Introduced in House
2026-03-04Ordered to be Reported by the Yeas and Nays: 26 - 16.
2026-03-04Committee Consideration and Mark-up Session Held
2026-04-20Placed on the Union Calendar, Calendar No. 535.
2026-04-20Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
2026-04-20Reported (Amended) by the Committee on Financial Services. H. Rept. 119-617.
2026-07-2020:33:13Rules Committee Resolution H. Res. 1438 Reported to House. Rule provides for consideration of H.R. 8800, H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955 and H.R. 9770. The resolution provides for consideration of H.R. 8800 under a structured rule and for consideration of H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955, and H.R. 9770 under a closed rule, with one hour of debate on each measure and one motion to recommit on H.R. 8800, H.R. 8884, H.R. 7008, H.R. 6955, and H.R. 9770.
2026-07-2114:43:33Considered under the provisions of rule H. Res. 1438. (consideration: CR H4707-4731)
2026-07-2114:43:38Rule provides for consideration of H.R. 8800, H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955 and H.R. 9770. The resolution provides for consideration of H.R. 8800 under a structured rule and for consideration of H.R. 8884, H. Con. Res. 113, H.R. 7008, H.R. 6955, and H.R. 9770 under a closed rule, with one hour of debate on each measure and one motion to recommit on H.R. 8800, H.R. 8884, H.R. 7008, H.R. 6955, and H.R. 9770.
2026-07-2114:44:39DEBATE - The House proceeded with one hour of debate on H.R. 6955.
2026-07-2115:50:24The previous question was ordered pursuant to the rule.
2026-07-2115:50:56Ms. Garcia (TX) moved to recommit to the Committee on Financial Services. (text: CR H4731)
2026-07-2115:51:10The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
2026-07-2115:51:32POSTPONED PROCEEDINGS - At the conclusion of debate on H.R. 6955, the Chair put the question on motion to recommit and by voice vote, announced that the noes had prevailed. Ms. Garcia (TX) demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
2026-07-2121:53:59Considered as unfinished business. (consideration: CR H5018-5019)
2026-07-2122:00:26On motion to recommit Failed by the Yeas and Nays: 210 - 216 (Roll no. 270).
2026-07-2122:06:13On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271). (text of amendment in the nature of a substitute: CR H4708-4722)
2026-07-2122:06:13Passed/agreed to in House: On passage Passed by the Yeas and Nays: 270 - 155, 1 Present (Roll no. 271). (text of amendment in the nature of a substitute: CR H4708-4722)
2026-07-2122:06:17Motion to reconsider laid on the table Agreed to without objection.
2026-07-22Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Provenance
Methodology
full_text_v3
Calculated
2026-09-18 16:52:04.979+00
Source version
2026-07-22
Assessments
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The Quiet Ledger grades legislation on its content. A bill grade is analysis of the bill — not a grade of its sponsor or of any member who voted on it.