Make it easier for community banks to issue home loans.

Roger Marshall · Kansas · Republican

policy impact 0.58 specificity 0.80 extraction confidence 90%

Commitment kind: unknown. Promised action: not established. Promised outcome: not established. Deadline: unknown; not assumed expired.

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Occurrences

Evidence

legacy_unverified · Source version not recorded · locator unknown

Public Law 119-101, H.R. 6644, was approved July 11, 2026. Its table of contents includes Title IX, Strengthening Community Banks' Role in Housing, with sections on community bank deposit access, keeping deposits local, tailored supervisory testing, promoting new bank formation, and a rural depositories study. The statutory text creates brokered-deposit exceptions for eligible institutions under $10 billion, raises reciprocal-deposit thresholds, increases certain examination thresholds, and authorizes community-bank capital phase-in rules.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): The enacted housing law materially addresses the promise by reducing regulatory and funding constraints on community banks in a housing-focused statute. Because some benefits depend on regulator implementation and the law is broader than direct home-loan origination, this supports partial delivery rather than a clean full-delivery finding.

partial same_term A for effort

Public Law 119-101 - 21st Century ROAD to Housing Act
secondary · model gpt-5.5 · confidence 84%

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legacy_unverified · Source version not recorded · locator unknown

Senate Vote 182 was on the motion to concur in the House amendment to the Senate amendment to H.R. 6644, the 21st Century ROAD to Housing Act. The motion was agreed to 85-5, and Marshall (R-KS) is listed as Yea.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Marshall took concrete legislative action in the same Senate term by voting for the housing package that later became Public Law 119-101 and included community-bank housing provisions.

partial same_term A for effort

U.S. Senate Roll Call Vote 119th Congress - 2nd Session, Vote 182
secondary · model gpt-5.5 · confidence 86%

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Assessments

Public state: unverified As of unknown · legacy_unverified · . Original AI recommendation (not independently established): partial. same_term A for effort

Public Law 119-101 was enacted during Marshall's current Senate term and included housing-related provisions that reduce regulatory or funding constraints for community banks, such as brokered-deposit exceptions, reciprocal-deposit threshold changes, examination threshold changes, and capital phase-in authority. Marshall voted for the final Senate motion that advanced the package. That is meaningful same-term legislative action tied to the promise. However, the outcome is broader regulatory support for community banks in a housing statute rather than a direct, fully realized guarantee that community banks can more easily issue home loans, and some effects depend on later implementation. This supports partial delivery with effort credit, not full delivery.

provider codex_cli · model gpt-5.5 · confidence 84%