Analysis · Speech on a bill · beta

J. French Hill

Republican on Main Street Capital Access Act 2026-07-21

257 words · 12 sentences · 16 clauses

Statement grade

Average 92 / 100

A score under 50 is red. Choose a measurement to see where it lost points and why; choose it again to clear.

Procedure 6%Thanks 4%Claims 77%Reasoning 10%The ask 4%

This view breaks the statement into its steps and names what each one does.

Mr. Speaker, Procedure · 9 wordsI yield myself such time as I may consume.Procedure Mr. Speaker, Thanks · 9 wordsI thank Mr. Loudermilk who spoke a moment ago.Thanks Claims · 129 wordsThe vice chairman of our Subcommittee on Financial Institutions made a very good point also about how this bill strengthens competition. Chairman Andy Barr of Kentucky, Ranking Member Waters of California, and Mr. Loudermilk all mentioned the importance of encouraging de novo banks, meaning start-up banks, particularly in our fast-growing communities that have seen disproportionate business and population growth, like south Florida or other places across the Nation. All three of those Members have something in common, which is they support greater de novo provisions. We had Ms. Waters in the housing bill, ¹and we have two in this bill that encourage start-up banks and encourage the regulators to work and have a better strategy for start- up financial institutions because that means that they can meet the growth.² Procedure · 6 wordsWhat does that do, Mr. Speaker?Procedure Reasoning · 25 wordsIt increases competition for the biggest companies because they are close to customers, they have a business strategy, and they are unique to the marketplace. Claims · 24 wordsThat is another example of how this bill is, in fact, counter to the assertion that it is only geared towards Wall Street institutions.Unearned certainty Mr. Speaker, The ask · 10 wordsI yield 2 minutes to the gentleman from Pennsylvania (Mr. Claims · 45 wordsMeuser), who understands finance from both the point of view of one of our biggest and most industrial States, Pennsylvania, having been a statewide officer as well as a highly successful manufacturer and entrepreneur. Mr. Meuser is the chair of our Oversight and Investigations Subcommittee.³

At a glance

Lost points for

Switch Claims on to list the checkable claims here.

What the tags mean

Signal · 90

3 of 4 deductions are Signal

Signal checks whether every part makes a point, gives a reason, or asks for action. A low score means the speaker filled time with fluff, pleasantries, or attacks.

Throat-clearing: announcing what you are about to say, or the House’s routine business.What the tags mean “I yield myself such time as I may consume.”Procedure or throat-clearing: no claim, reason or ask.
Thanks and tributes.What the tags mean “I thank Mr. Loudermilk who spoke a moment ago.”Thanks: no claim, reason or ask.
Throat-clearing: announcing what you are about to say, or the House’s routine business.What the tags mean “What does that do, Mr. Speaker?”Procedure or throat-clearing: no claim, reason or ask.

Relevance · 100

0 of 4 deductions are Relevance

Relevance checks whether the speaker stays on topic and answers the question asked. A low score means the speaker dodged the issue. Measured against the bill under debate.

Nothing lost points.

Reasoning · 87

0 of 4 deductions are Reasoning

Reasoning checks for sound logic and solid support for any conclusion. A low score means the speaker made unsupported leaps or used weak arguments.

Nothing lost points.

Conclusions found · 1

Conclusion“That is another example of how this bill is, in fact, counter to the assertion that it is only geared towards Wall Street institutions.”

Because“and Mr. Loudermilk all mentioned the importance of encouraging de novo banks, meaning start-up banks, particularly in our fast-growing communities that have seen disproportionate business and population growth, like south Florida or other places across the Nation.”

“We had Ms. Waters in the housing bill,”

“and we have two in this bill that encourage start-up banks and encourage the regulators to work and have a better strategy for start- up financial institutions because that means that they can meet the growth.”

Reason given

Respect · no score

Not checked: graded before this measurement existed. Excluded from the average.

Respect checks whether the speaker argued with people’s positions and records rather than attacking the people: insults, mockery, or bad motives assigned to them. Criticism of what someone did, however strong, is not marked.

Clarity · 89

1 of 4 deductions are Clarity

Clarity checks for plain speaking, clear ownership of actions, and honest limits on certainty. A low score means vague promises or evasive language.

Something stated as certain with nothing to back it.What the tags mean “in fact”The phrase asserts certainty by formula rather than pointing to any evidence or source.

Claims · 3

This list shows the factual statements you can check for yourself: the words as said, and the claim restated to stand on its own.

1“We had Ms. Waters in the housing bill”Maxine Waters included de novo/start-up bank provisions in a housing bill.search
2“we have two in this bill that encourage start-up banks”The Main Street Capital Access Act contains two provisions encouraging start-up banks.search
3“Mr. Meuser is the chair of our Oversight and Investigations Subcommittee”Dan Meuser chairs the House Financial Services Subcommittee on Oversight and Investigations.search

Analyzed on 2026-09-15