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© 2026 Govwatch

S2999Referred to Committee

Main Street Depositor Protection Act

Share:
Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2025-10-09
Introduced
1
Cosponsors
S
ⓘ
Type

Sponsor

Bill Hagerty
Bill Hagerty
Republican · TN · Senator
Votes with party: 33.1% (314 recorded votes)

Full profile: /officials/H000601

Source: Congress.gov · FEC

Cosponsors (1)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

  • Angela D. Alsobrooks (D-MD)Original· 2025-10-09

Latest Action

The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →

Committee on Banking, Housing, and Urban Affairs. Hearings held.

2026-02-05

Source: Congress.gov

Committee Activity

Currently in

  • Senate Committee on Banking, Housing, and Urban AffairsHearings By (full committee) · 2026-02-05

Previously

  • Banking, Housing, and Urban Affairs CommitteeHearings By (full committee) · 2026-02-05
  • Banking, Housing, and Urban Affairs CommitteeReferred To · 2025-10-09
  • Senate Committee on Banking, Housing, and Urban AffairsReferred To · 2025-10-09

Plain-English Summary

This bill would protect deposits at smaller community banks and credit unions by ensuring that depositors' money is fully insured even if the bank fails, likely by expanding or clarifying federal deposit insurance coverage beyond current limits. The measure aims to help Main Street businesses and individuals who rely on local financial institutions feel more secure keeping their money in these banks rather than moving it to larger national banks. Community banks and their customers would be the primary beneficiaries of this protection.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

Subjects

Finance and Financial Sector
Full bill text is not yet cached locally.
Open text viewRead on Congress.gov

Related legislation

Bills by the same sponsor or covering overlapping subjects.

  • SJRES194A joint resolution disapproving the action of the District of Columbia Council in approving the Body-Worn Camera Transparency for Use of Force Temporary Amendment Act of 2026.
    Referred to Committee · 2026-06-02
  • SJRES195A joint resolution disapproving the action of the District of Columbia Council in approving the Full Accountability in Arrest Reporting Temporary Amendment Act of 2026.
    Referred to Committee · 2026-06-02
  • S4265Freedom to Build Act
    Referred to Committee · 2026-03-26
  • S4198Main Street Depositor Protection Act
    Referred to Committee · 2026-03-25