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Legislative Tracker · 119th Congress
H.R. 6644 · Title IX

The banking title's round trip

The community banking provisions of the 21st Century ROAD to Housing Act started in the House, vanished in the Senate, and came back as Title IX. Here is the full route, the nine sections that survived, and the four that did not.

Bill 21st Century ROAD to Housing Act Vehicle H.R. 6644 · Senate amdt. to House amdt. to Senate amdt. As of June 16, 2026
STATUS: Final bicameral text agreed June 16, 2026. Both chambers have passed prior versions; a reconciled package now awaits final votes and the President's signature.
01

The bottom line

The headline for bank supervisors is not the institutional investor restriction or the digital dollar ban. It is that a community banking title the Senate had deleted is back in the final deal, and that its most consequential pieces were left on the cutting room floor.

What a supervisor needs to know

  • The community banking title survived as Title IX. The House wrote it, the Senate stripped it entirely, and the final bicameral text restored it. It now sits as Title IX, "Strengthening Community Banks' Role in Housing," with nine sections.
  • Nine of the original thirteen House sections made it. The brokered deposit relief, exam cycle threshold, credit union board reform, systemic risk transparency, mentor protege program, de novo streamlining, and rural studies all carried over.
  • The four that fell were the substantive ones. Gone: FDIC discretion to deviate from least cost resolution, the restriction on waiving the ten percent deposit concentration cap, the broader limited scope and combined examination relief, and the Federal Reserve surplus fund reduction that served as the pay for.
  • The digital dollar ban is temporary, not permanent. Title XI prohibits a Federal Reserve CBDC but sunsets December 31, 2030. That is the Senate's position; the House had pushed for a permanent ban.
  • The brokered deposit and exam thresholds are the operative numbers. Custodial deposits up to twenty percent of liabilities for banks under $10B, a graduated reciprocal deposit safe harbor, and the extended examination cycle threshold lifted from $3B to $6B.
13
House · Title VI
Housing for the 21st Century Act, passed Feb 9, 2026
0
Senate · stripped
21st Century ROAD package, passed 89-10 on Mar 12, 2026
9
Final · Title IX
Bicameral text, agreed Jun 16, 2026
02

How it got here

Two housing bills moving on parallel tracks, one from Senate Banking and one from House Financial Services, converged through an amendment exchange rather than a formal conference. Watch the banking title's status at each step.

03

Title IX as enacted text reads

The nine sections of Title IX, "Strengthening Community Banks' Role in Housing," with the statutory hook, the operative thresholds, and the House section each came from. Tap any section to expand.

One banking provision lives outside Title IX. The Community Investment and Prosperity Act, which raises the OCC and Federal Reserve public welfare investment cap from fifteen to twenty percent, sits in the housing finance title as Section 203, not in the banking title. It is the provision the Mortgage Bankers Association flagged as a top priority.
04

The crosswalk: House Title VI to final Title IX

The original banking title was House Title VI, thirteen sections drawn from roughly a dozen Financial Services Committee bills, championed by Chairman French Hill. The Senate's ROAD package omitted all of it. The reconciled bill restored nine. Filter by fate.

Reading the drops. Three of the four casualties were the parts that touched resolution and concentration policy: discretion to bypass least cost resolution (House 607), limits on waiving the ten percent nationwide deposit cap for failed bank acquisitions (House 608), and the broader exam relief that would have let small banks combine and alternate examinations (House 603). The fourth, House 613, reduced the Federal Reserve's discretionary surplus fund and functioned as the bill's offset. Their removal narrowed Title IX from structural reform toward thresholds, transparency, and studies.
05

Banking-adjacent provisions outside Title IX

Three more provisions matter to the banking and digital assets bar even though they sit in other titles.

Title II · Sec. 203

Public welfare investment cap

The Community Investment and Prosperity Act lifts the aggregate public welfare investment ceiling for national banks and state member banks from fifteen to twenty percent of capital and surplus, expanding capacity for affordable housing and community investment.

Originated as House Sec. 303. Survived intact. Top industry ask.
Title XI · Sec. 1101

Central bank digital currency ban

Amends the Federal Reserve Act to bar the Board or a reserve bank from issuing a CBDC, directly or through an intermediary. An exception preserves an open, permissionless, private dollar instrument with cash-like privacy.

Sunsets Dec 31, 2030. The Senate's temporary ban prevailed over the House's permanent version.
Title X · Sec. 1001

Institutional investor limits

"Homes are for people, not corporations" restricts large institutional investors from acquiring single-family homes, with broad exemptions for build-to-rent, renovate-to-rent, and homeownership programs that report rent to the bureaus.

The House amendment removed the original seven-year forced divestiture mandate that drew conservative opposition.
06

How it is being covered

The banking title was a genuine point of leverage in the endgame. House Republicans treated community bank deregulation as a condition of their support, alongside the digital dollar fight.

07

Sources

Primary text and section-by-section first, secondary analysis second. Verify against the engrossed text before citing in formal work.