Rural Depositories Revitalization Study Act

This bill requires the Federal Reserve, Comptroller of the Currency, and FDIC to study how to improve growth, capital, and profitability for rural banks. The study will identify regulatory barriers in current federal laws or rules that may limit rural bank expansion or new bank openings in rural areas. The agencies must submit a report to Congress within six months of the bill's enactment. The bill itself does not change regulations or provide funding - only mandates the study.