II 118th CONGRESS 2d Session S. 3937 IN THE SENATE OF THE UNITED STATES March 14, 2024 Mrs. Hyde-Smith introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To require the appropriate Federal banking agencies to establish a 3-year phase-in period for de novo financial institutions to comply with Federal capital standards, to provide relief for de novo rural community banks, and for other purposes.