The Community Bank Relief Act modifies federal rules governing payment card transaction fees for banks. Specifically, it amends the Electronic Fund Transfer Act to automatically adjust certain fee thresholds for inflation starting July 1, 2026, and every January 15 thereafter, based on changes in the Consumer Price Index. Before the first regular adjustment, the bill requires the Federal Reserve Board to adjust thresholds based on cumulative inflation between October 2009 and October 2025. The legislation primarily benefits community banks and smaller financial institutions by indexing fee caps to inflation, reducing the burden of compliance with outdated fixed thresholds. No specific funding is allocated since the bill modifies existing regulatory thresholds rather than creating new programs.
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