3.0.0 5262 2026-05-02T19:06:20Z 2026-05-02T19:06:20Z House H HR 2025-09-10 119 https://www.congress.gov/bill/119th-congress/house-bill/5262 [Congressional Record Volume 171, Number 148 (Wednesday, September 10, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. FITZGERALD:H.R. 5262.Congress has the power to enact this legislation pursuantto the following:Article I, Section VIII of the United States Constitution[Page H4239]]]> hsba00 Financial Services Committee House Standing Reported By 2025-11-04T18:47:31Z Markup By 2025-09-16T14:39:39Z Referred To 2025-09-10T14:05:20Z H. Rept. 119-365 Main Street Act 119 6955 HR 2026-04-20 Placed on the Union Calendar, Calendar No. 535. Related bill CRS 2025-11-04 Placed on the Union Calendar, Calendar No. 317. Calendars H12410 2 House floor actions U00317 2025-11-04 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-365. Committee H12200 2 House floor actions hsba00 Financial Services Committee 2025-11-04 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-365. Committee 5000 9 Library of Congress hsba00 Financial Services Committee 2025-09-16 hsba00 Financial Services Committee 1 House committee actions Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24. Committee 2025-09-16 hsba00 Financial Services Committee 1 House committee actions Committee Consideration and Mark-up Session Held Committee 2025-09-10 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2025-09-10 Introduced in House IntroReferral Intro-H 9 Library of Congress 2025-09-10 Introduced in House IntroReferral 1000 9 Library of Congress F000471 Rep. Fitzgerald, Scott [R-WI-5] Scott Fitzgerald R WI 5 N Finance and Financial Sector Bank accounts, deposits, capital 2025-09-25T13:21:01Z Banking and financial institutions regulation 2025-09-25T13:24:58Z Business records 2025-09-25T13:42:21Z Competition and antitrust 2025-09-25T13:41:45Z Corporate finance and management 2025-09-25T13:25:05Z Performance measurement 2025-09-25T13:42:11Z Finance and Financial Sector 2025-09-24T13:41:37Z 07 2025-11-04 Reported to House 2026-04-03T18:56:53Z Bank Competition Modernization Act

This bill allows financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic.

Currently, regulators are prohibited from approving a bank acquisition, merger, or consolidation that would result in a monopoly, that would be in furtherance of a conspiracy or attempt to create a monopoly, the approval of which would substantially lessen competition, or that would otherwise restrain trade.

The bill prohibits regulators from considering these factors for mergers that would result in an entity with less than $10 billion in assets. This threshold must be adjusted annually to reflect increases in the U.S. nominal gross domestic product.

]]> Bank Competition Modernization Act Short Title(s) as Reported to House 102 Bank Competition Modernization Act 2025-11-05T03:53:12Z H House Reported in House RH Display Title 45 Bank Competition Modernization Act 2025-09-16T07:38:16Z Short Title(s) as Introduced 101 Bank Competition Modernization Act 2025-09-16T07:38:15Z Introduced in House IH Official Title as Introduced 6 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. 2025-09-16T07:33:22Z Introduced in House IH Reported in House 2025-11-04T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr5262rh/xml/BILLS-119hr5262rh.xml Introduced in House 2025-09-10T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr5262ih/xml/BILLS-119hr5262ih.xml 2025-11-04 Placed on the Union Calendar, Calendar No. 317. text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.