Real bill currently in Congress c/o HR/119/6955

Main Street Capital Access Act

Policy area: Finance and Financial Sector ▲ 44 days since action Sponsor: J. French Hill, AR-02, R → Congress.gov

Latest action (2026-07-22): Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

What should pass

“AI Consensus Solution”

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Main Street Capital Access Act of 2025 – Constitutional Revision

To increase small business access to capital by reducing regulatory burdens and expanding lending options for community banks and credit unions.

Bipartisan rationale: Democratic priorities: Direct federal support for small businesses, especially in underserved communities, with nondiscrimination requirements and oversight. Republican priorities: State flexibility in design and implementation, protection of state banking authority, no federal preemption, and a sunset clause to limit long-term government expansion.

Funding: General Fund of the Treasury, through annu $500 million per fiscal year, Sunset 5y Oversight: Office of Small Business Lendi Enforcement: Clawback of unspent or misused funds

Vote-count path: House: ~270 votes (180 Democrats + 90 Republicans); Senate: ~65 votes (45 Democrats + 20 Republicans) – support from centrist and federalism-minded members.

→ Article I, Section 8, Clause 1 – General Welfare and Spending Power → Article I, Section 8, Clause 3 – Commerce Clause (limited to interstate effects of small business lending) → Tenth Amendment – Reservation of powers to the states (non-preemption of state banking laws)

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