Take Action: Ask Congress to Temporarily Lower CBLR Bankers are encouraged to contact Nebraska’s Congressional delegation to urge them to cosponsor the Community Bank Relief Act (S. 3409/H.R. 6145). The legislation would temporarily lower the Community Bank Leverage Ratio (CBLR) to between 8.0% and 8.5%. Bank efforts to respond to the pandemic have led to significant balance sheet increases. This legislation would provide necessary relief from higher capital demands.