S. 2223 · Where this bill is now
In committee
Introduced in the Senate, Jul 9, 2025
What this bill does
In plain words · AI-written from the official summaryBanks can invest more in small business funds
Right now, banks are limited to putting 5% of their capital and surplus into small business investment companies, or SBICs, which are organizations that invest in small businesses. This bill would raise that limit to 15%, giving banks more room to invest in these small business funds.
How it affects you
If you own a small business or work for one, this could mean more money available for small business investment through these companies. Banks would have more flexibility to channel their capital toward small business funding, which might expand lending and investment opportunities in your community.
Read the official summary (Introduced in Senate, Jul 9, 2025)
Investing in Main Street Act of 2025
This bill authorizes certain banking entities to invest up to 15% of their capital and surplus in one or more small business investment companies (SBICs) or in any entity established to invest solely in SBICs. The current limit is 5%.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
1st SessionS. 2223
A BILL
Investing in Main Street Act of 2025
Sponsor: Sen. Todd Young (R-IN) · Introduced Jul 9, 2025 · Commerce · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Jul 9, 2025: “Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.”