US HB5276

Increases the asset threshold for qualifying community banks under the Community Bank Leverage Ratio (CBLR) framework from $10 billion to $15 billion

Lowers the required leverage ratio range from 8-10 percent to 6-8 percent for qualifying community banks

Requires the Federal Reserve, Comptroller of the Currency, and FDIC to review the CBLR framework and issue a report to Congress within 150 days with recommendations for encouraging more community bank participation

Mandates federal banking regulators propose implementing rules within 180 days and finalize rules within 1 year of enactment

Report must include specific recommendations on CBLR calculation methods, qualifying criteria, opt-in/opt-out procedures, grace periods, and treatment of asset classes to reduce regulatory compliance burdens