summary
Introduced
09/10/2025
09/10/2025
In Committee
09/16/2025
09/16/2025
Crossed Over
Passed
Dead
Introduced Session
119th Congress
Bill Summary
an Act to require the consideration of certain entities and factors when evaluating proposed acquisitions, mergers, consolidations, assumptions of liabilities, or transfers of assets, and for other purposes. IN THE HOUSE OF REPRESENTATIVES SEPTEMBER 10, 2025 Mr. FITZGERALD introduced the following bill; which was referred to the Committee on Financial Services NOVEMBER 4, 2025 Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed [Strike out all after the enacting clause and insert the part printed in italic] [For text of introduced bill, see copy of bill as introduced on September 10, 2025] A BILL To amend the Federal Deposit Insurance Act, the Bank Holding Company Act of 1956, and the Home Owners’ Loan Act to require the consideration of certain entities and factors when evaluating proposed acquisitions, mergers, consolidations, assumptions of liabilities, or transfers of assets, and for other purposes.
AI Summary
This bill modifies existing banking regulations to create a new threshold for merger and acquisition reviews, specifically exempting smaller financial institutions from certain antitrust considerations. For banks, credit unions, and savings and loan holding companies with less than $10 billion in assets, regulatory agencies would no longer be required to evaluate whether proposed mergers or acquisitions could potentially create monopolies or substantially lessen market competition. The bill includes an annual adjustment mechanism that would increase the $10 billion threshold proportionally with the nominal gross domestic product (GDP), as determined by the Bureau of Economic Analysis. By creating this exemption, the legislation aims to potentially make it easier for smaller financial institutions to merge or consolidate without facing the same level of regulatory scrutiny that larger institutions encounter. The bill amends three key pieces of financial legislation: the Federal Deposit Insurance Act, the Bank Holding Company Act of 1956, and the Home Owners' Loan Act to implement these changes uniformly across different types of financial institutions.
Committee Categories
Business and Industry
Sponsors (1)
Last Action
Placed on the Union Calendar, Calendar No. 317. (on 11/04/2025)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.congress.gov/bill/119th-congress/house-bill/5262/all-info |
| BillText | https://www.congress.gov/119/bills/hr5262/BILLS-119hr5262rh.pdf |
| BillText | https://www.congress.gov/119/bills/hr5262/BILLS-119hr5262ih.pdf |
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