Congress Swing TrackerLegislative intelligence Swing vote analysis

H.R. 6955: Main Street Capital Access Act · Congress Swing Tracker

H.R. 6955119th CongressFinance and Financial Sector

Main Street Capital Access Act

Sponsored by Rep. J. French Hill (R-AR) · 33 active : 33 Republicans

Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Read the summary

Where it standsPassed House, now in the Senate

Passed House

House: passedJul 21, 2026
Senate: next
President: not yet

14 senators score as swing votes

Summary

, via Congress.gov

Summary on Congress.gov

Main Street Capital Access Act or the Main Street Act

This bill lessens and otherwise modifies banking regulations, including those regarding institution formation, supervision by federal financial regulators, and bank merger requirements.

Under the bill, new banks have a three-year phase-in period to meet certain capital requirements. The bill also reduces the leverage ratio for certain rural community banks.

Read full summary

Financial regulators must (1) tailor regulatory actions to limit burdens on financial institutions and must consider the institutions' risk profiles and business models, and (2) review their regulations more frequently and expand the scope of these reviews.

The bill eases requirements regarding bank mergers, for example, by allowing financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic.

The bill increases the dollar asset thresholds for various fees, reporting requirements, and other regulatory requirements so that more financial companies and banks are exempt from these requirements. For example, the bill increases the total asset threshold above which financial holding companies need Federal Reserve Board approval to acquire a company, thereby allowing for more acquisitions without board approval. The bill also raises certain asset thresholds so as to allow additional small bank holding companies to operate with higher debt levels and additional small banks to qualify for a longer examination cycle.

The bill also provides flexibilities regarding the use of reciprocal deposits, the resolution of failed banks, and other regulated activities.

How the projections held up

Each member’s recorded vote compared with their swing projection from before the vote. A member by voting against most of their own party.

House

On PassagePassed270 yea, 155 nayJuly 21, 2026 · Roll call 271

How members in each band voted on this House vote, by their projection before the vote
BandBand before the vote	VotedVoted yea or nay	BrokeBroke with party	Share
Swing	59	26	44%
Middle	210	28	13%
Entrenched	152	3	2%
Insufficient data

Committees and subjects

Committees

House Committee on Financial Services · HouseReported by · Markup by · Referred to
Senate Committee on Banking, Housing, and Urban Affairs · SenateReferred to

Subjects

Accounting and auditing
Administrative law and regulatory procedures
Administrative remedies
Advisory bodies
Bank accounts, deposits, capital
Banking and financial institutions regulation
Business ethics
Business records
Congressional oversight
Consumer Financial Protection Bureau
Corporate finance and management
Credit and credit markets

Show all 31 subjects

Senate · 100 House · 433

Model

v3defaultv2

Directional: count only breaks toward the other party Why do scores change?

How the House breaks down

60Swing 70–100
203Middle 30–70
164Entrenched 0–30
6Insufficient data not ranked

Members fall into . 6 representatives don’t have enough data yet and are marked “insufficient data”. Non-voting delegates are not counted. The bill is not before the House right now; these scores show where members would stand.

Key players in the House

Ranked by swing score, 0–100 · swing-v3, directional

: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.

Bars show each input from 0 to 100: ideology gap, scorecard gap, , and the . is the seat’s partisan lean, and shows how much of the input data a score has.

Similar past votes, House

Earlier behind swing-v3’s input

Similar votes count toward swing-v3 in the House: total similarity weight 22.0 (needs 5.0).

H.R. 6955 · Jul 21, 2026 · Roll call 631On PassageMain Street Act
PassedSame bill×3.0
S. 1582 · Jul 17, 2025 · Roll call 199On PassageGENIUS Act
PassedShared subjects×1.0
H.R. 1181 · Jul 14, 2026 · Roll call 600On PassageProtecting Privacy in Purchases Act
PassedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 327On PassageIncreasing Investor Opportunities Act
PassedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 326On Agreeing to the Amendment
FailedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 325On Agreeing to the Amendment
FailedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 324On Agreeing to the Amendment
FailedSame policy area×0.5
H.R. 3357 · Jul 23, 2025 · Roll call 216On Motion to Suspend the Rules and Pass, as AmendedEnhancing Multi-Class Share Disclosures Act
PassedSame policy area×0.5

Show 17 more

H.R. 1919 · Jul 17, 2025 · Roll call 200On PassageAnti-CBDC Surveillance State Act
PassedSame policy area×0.5
H.R. 3633 · Jul 17, 2025 · Roll call 198On PassageCLARITY Act
PassedSame policy area×0.5
S.J.Res. 13 · May 20, 2025 · Roll call 136On PassageProviding for congressional disapproval of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act
PassedSame policy area×0.5
S.J.Res. 18 · Apr 9, 2025 · Roll call 95On PassageDisapproving the rule submitted by the Bureau of Consumer Financial Protection relating to “Overdraft Lending: Very Large Financial Institutions”

Cosponsors

33 active

Show all 33 cosponsors

Andrew Ogles (R-TN-5)
Andrew R. Garbarino (R-NY-2)
Andy Barr (R-KY-6)
Ann Wagner (R-MO-2)
Barry Loudermilk (R-GA-11)
Bill Huizenga (R-MI-4)
Bryan Steil (R-WI-1)
Byron Donalds (R-FL-19)
Daniel Meuser (R-PA-9)
Frank D. Lucas (R-OK-3)
John W. Rose (R-TN-6)
Lisa C. McClain (R-MI-9)
Maria Elvira Salazar (R-FL-27)
Marlin A. Stutzman (R-IN-3)
Michael Lawler (R-NY-17)
Mike Flood (R-NE-1)
Mike Haridopolos (R-FL-8)
Monica De La Cruz (R-TX-15)
Pete Sessions (R-TX-17)
Ralph Norman

How the swing score works

Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.

Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.

Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.

Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.

Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.

Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.

All voting members	425	57	13%

1
Josh GottheimerDemocrat · New Jersey 5th · Lean D+2House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 32% of 36 similar votes
95Swing
Vote on passage, Jul 21, 2026:YeaBroke with partyProjected: 95 Swing
ContactCall 202-225-4465 Website
2
Jared F. GoldenDemocrat · Maine 2nd · Lean R+4On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 32% of 38 similar votes
94Swing
Vote on passage, Jul 21, 2026:NayProjected: 94 Swing
ContactCall
3
Marie Gluesenkamp PerezDemocrat · Washington 3rd · Lean R+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 35% of 38 similar votes
93Swing
Vote on passage, Jul 21, 2026:NayProjected: 93 Swing
ContactCall
4
Brian K. FitzpatrickRepublican · Pennsylvania 1st · Lean D+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 15% of 38 similar votes
Today92Swing
Vote on passage, Jul 21, 2026:YeaProjected at the vote: 93 Swing (today: 92)
Contact
5
Henry CuellarDemocrat · Texas 28th · Lean R+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 44% of 38 similar votes
Today91Swing
Vote on passage, Jul 21, 2026:YeaBroke with party
6
Don BaconRepublican · Nebraska 2nd · Lean D+3On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 8% of 38 similar votes
91Swing
Vote on passage, Jul 21, 2026:YeaProjected: 91 Swing
ContactCall
7
Thomas H. KeanRepublican · New Jersey 7th · Lean EVENOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 7% of 37 similar votes
90Swing
Vote on passage, Jul 21, 2026:YeaProjected: 90 Swing
ContactCall
8
Donald G. DavisDemocrat · North Carolina 1st · Lean R+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 40% of 38 similar votes
88Swing
Vote on passage, Jul 21, 2026:YeaBroke with partyProjected: Swing
9
Laura GillenDemocrat · New York 4th · Lean D+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 38% of 9 similar votes
88Swing
Vote on passage, Jul 21, 2026:YeaBroke with partyProjected: Swing
10
David G. ValadaoRepublican · California 22nd · Lean R+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 7% of 28 similar votes
Today88Swing
Vote on passage, Jul 21, 2026:YeaProjected at the vote: 89 Swing (today: 88)
Contact

Not enough data to rank (6)

These members have less than half of the model’s inputs, so their scores are not banded or ranked.

—
James GallagherRepublican · California 1st · Lean R+12On the ballot45% of inputs · missing scorecards, similar votes
Ideology gap
Scorecard gapNo dataCross-pressure
Similar votesNo dataCommitteeNo committee seatToo few votes on similar bills to measure
—Insufficient data
Vote on passage, Jul 21, 2026:YeaProjected: — Insufficient data
—
Analilia MejiaDemocrat · New Jersey 11th · Lean D+5On the ballot45% of inputs · missing scorecards, similar votes
Ideology gap
Scorecard gapNo dataCross-pressure
Similar votesNo dataCommitteeNo committee seatToo few votes on similar bills to measure
—Insufficient data
Vote on passage, Jul 21, 2026:NayProjected: — Insufficient data
—
Clay FullerRepublican · Georgia 14th · Lean R+19On the ballot45% of inputs · missing scorecards, similar votes
Ideology gap
Scorecard gapNo dataCross-pressure
Similar votesNo dataCommitteeNo committee seatToo few votes on similar bills to measure
—Insufficient data
Vote on passage, Jul 21, 2026:YeaProjected: — Insufficient data
—
Christian D. MenefeeDemocrat · Texas 18th · Lean D+21On the ballot45% of inputs · missing scorecards, similar votes
Ideology gap
Scorecard gapNo dataCross-pressure
Similar votesNo dataCommitteeNo committee seatToo few votes on similar bills to measure
—Insufficient data
Vote on passage, Jul 21, 2026:NayProjected: — Insufficient data
—
Aisha WahabDemocrat · California 14th · Lean D+20On the ballot20% of inputs · missing DW-NOMINATE, scorecards, similar votes
Ideology gapNo dataScorecard gapNo dataCross-pressure
Similar votesNo dataCommitteeNo committee seatToo few votes on similar bills to measure
—Insufficient data
—
Everton BlairDemocrat · Georgia 13th · Lean D+21On the ballot20% of inputs · missing DW-NOMINATE, scorecards, similar votes
Ideology gapNo dataScorecard gapNo dataCross-pressure
Similar votesNo dataCommitteeNo committee seatToo few votes on similar bills to measure
—Insufficient data