arrow_back Civic Audit
Share share

Community Bank Relief Act: Adjusting Small Bank Fee Thresholds for Inflation

This bill updates financial limits for banks to account for inflation. It ensures that local financial institutions do not lose regulatory benefits simply because the value of money has decreased over time.
Key points
Introduction of annual updates to financial thresholds based on the Consumer Price Index (CPI).
An initial adjustment to account for cumulative inflation between 2009 and 2025.
Protection for smaller banks from losing regulatory exemptions regarding card transaction fees.
Ensuring banking regulations reflect the real value of money in the current economy.
article Official text account_balance Process page notifications_active Track this Bill
Status: Introduced
Civic Will
Checking votes...
I support
I oppose
Why does your vote on bills matter?
It creates raw, undeniable proof. Civic Will provides the permanent data to verify the Government's loyalty towards its citizens (explained here). Start recording it now.
Additional Information
Print number: 119_S_3849
Sponsor: Sen. Cruz, Ted [R-TX]
Process start date: 2026-02-11
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-flash-latest
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Community Bank Relief Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_S_3849.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2026-02-11.

What are the main provisions?

Key points include:

  • Introduction of annual updates to financial thresholds based on the Consumer Price Index (CPI).
  • An initial adjustment to account for cumulative inflation between 2009 and 2025.
  • Protection for smaller banks from losing regulatory exemptions regarding card transaction fees.
  • Ensuring banking regulations reflect the real value of money in the current economy.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Sen. Cruz, Ted [R-TX].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-02-26.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Economy