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Senate Bill 4517
119th Congress(2025-2026)
Rural Depositories Revitalization Study Act
Introduced
Introduced
Introduced in Senate on May 13, 2026
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Introduced in Senate 
May 13, 2026
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Introduced in Senate(May 13, 2026)
May 13, 2026
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S. 4517 (Introduced-in-Senate)


119th CONGRESS
2d Session
S. 4517


To require Federal banking agencies to carry out a study on rural depository revitalization.

IN THE SENATE OF THE UNITED STATES

May 13, 2026

Mr. Ricketts (for himself and Mr. Warnock) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

A BILL

To require Federal banking agencies to carry out a study on rural depository revitalization.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. Short title.

This Act may be cited as the “Rural Depositories Revitalization Study Act”.

SEC. 2. Definitions.

In this Act:

(1) DEPOSITORY INSTITUTION.—The term “depository institution” has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813).

(2) FEDERAL BANKING AGENCIES.—The term “Federal banking agencies” means the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation.

(3) RURAL.—With respect to an area, the term “rural” has the meaning given the term in section 1026.35(b)(2)(iv)(A) of title 12, Code of Federal Regulations.

SEC. 3. Rural depositories revitalization study.

(a) Federal banking agencies.—

(1) STUDY.—The Federal banking agencies shall carry out a joint study—

(A) to identify methods to improve the growth, capital adequacy, and profitability of depository institutions in the United States that primarily serve rural areas; and

(B) to identify Federal statutes (other than appropriations Acts) or regulations of the Federal banking agencies that limit—

(i) the methods identified under subparagraph (A); or

(ii) the establishment of de novo depository institutions in rural areas.

(2) REPORT.—Not later than 1 year after the date of enactment of this Act, the Federal banking agencies shall submit to Congress a joint report containing all findings and determinations made in carrying out the study required under paragraph (1).

(b) National Credit Union Administration.—

(1) STUDY.—The National Credit Union Administration shall carry out a study—

(A) to identify methods to improve the growth, capital adequacy, and profitability of credit unions in the United States that primarily serve rural areas; and

(B) to identify Federal statutes (other than appropriations Acts) or regulations of the National Credit Union Administration that limit—

(i) the methods identified under subparagraph (A); or

(ii) the establishment of de novo credit unions in rural areas.

(2) REPORT.—Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration shall submit to Congress a report containing all findings and determinations made in carrying out the study required under paragraph (1).