Main Street Capital Access Act
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Summary
The Main Street Act makes comprehensive changes to federal banking laws to reduce regulatory burdens on community banks and credit unions, facilitate new bank formation, and increase transparency in bank supervision and regulation. Key provisions include a 3-year phase-in period for capital requirements for new banks, regulatory tailoring for smaller institutions, reforms to the bank merger approval process, modifications to the Federal Reserve's discount window, and enhanced accountability measures for banking regulators. The bill also addresses community development finance, credit union governance, and partnerships between banks and fintech companies.
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How your representatives voted
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