February 11, 2026
Mr. Cruz (for himself and Mrs. Britt) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
To amend the Electronic Fund Transfer Act to adjust certain thresholds for inflation.
Section 1. Short title
This Act may be cited as the Community Bank Relief Act
.
Sec. 2. Reasonable fees and rules for payment card transactions
Section 921(a)(6) of the Electronic Fund Transfer Act (15 U.S.C. 1693o–2(a)(6)) is amended—
(1)
by redesignating subparagraph (B) as subparagraph (C); and
(2)
by inserting after subparagraph (A) the following:
(B) Inflation adjustments
(i) In general
Except as provided in clause (ii), not later than July 1, 2026, and not later than January 15 of every year thereafter, the amount described in subparagraph (A) shall be adjusted by the annual percentage increase in the Consumer Price Index for the month of October.
(ii) Exception
Prior to the first adjustment made under clause (i), the Board shall adjust the amount described in subparagraph (A) by the percentage by which—
(I)
the Consumer Price Index for October 2025, exceeds
(II)
the Consumer Price Index for October 2009.