Requests certain actions be taken by the Federal Deposit Insurance Corporation so that new chartered banks are established in Missouri

HR 44 is a Missouri House resolution (not a bill) requesting federal action to support new banks in the state. It asks the Federal Deposit Insurance Corporation (FDIC) to reduce capital requirements for new bank charters based on local county economic output and shorten the initial regulatory compliance period for new banks over their first five years. The resolution directly addresses Missouri’s loss of over 90 chartered banks since 2008, particularly impacting rural communities experiencing "banking deserts." It does not create new law but formally requests the FDIC and other federal agencies to adjust their processes to facilitate new bank establishment.