H.R. 6536 — Rural Depositories Revitalization Study Act

This section directs the Federal banking agencies (i.e., the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation) to jointly conduct a study on (1) methods to improve the growth, capital adequacy, and profitability of U.S. depository institutions (i.e., banks or savings associations per 12 U.S.C. 1813) that primarily serve rural areas (as defined in 12 C.F.R. § 1026.35(b)(2)(iv)(A)); and (2) federal statutes (other than appropriations acts) or agency regulations that limit those methods or the establishment of de novo depository institutions in rural areas. The agencies must issue a joint report to Congress with all findings within one year of enactment.