Investing in Rural America Act of 2025

This bill makes it easier to fund key projects in rural towns. It lets Farm Credit System lenders help pay for and support essential community facilities—like health care, schools, child care, public safety, and utility services—through USDA’s Community Facilities program. These lenders can make loans, join with other lenders on loans, and provide technical help for eligible rural projects.

There are guardrails. A Farm Credit lender can use no more than 15% of its total outstanding loans for this type of financing. Before moving ahead, the lender must offer a share of the financing to at least one non–Farm Credit lender and report that offer to the Farm Credit Administration; local community banks get first priority for these offers. The Farm Credit Administration must publish a yearly report on how this authority is used, and the changes take effect October 1, 2025.

• Who is affected: Rural communities, eligible local organizations, Farm Credit lenders, and community banks
• What changes: New financing and technical help for rural facilities, a 15% cap on this lending, and a requirement to invite non–Farm Credit lenders—especially local community banks—to join in the financing
• When: Starts October 1, 2025; annual public reports will follow