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Bank Merger Review Modernization Act of 2019

Introduced: January 16, 2020 Introduced by: Warren, Elizabeth Democratic · Massachusetts See on congress.gov
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jan 16, 2020
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Jan 16, 2020
Introduced in Senate
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 Plain-English summary Congressional Research Service

Bank Merger Review Modernization Act of 2019

This bill establishes additional requirements for bank mergers and acquisitions, including by requiring

  • approval from the Consumer Financial Protection Bureau for certain mergers involving a provider of consumer financial products,
  • financial regulators to determine that the public benefits of any merger outweigh the costs,
  • specified community reinvestment ratings, and
  • institutions to meet certain financial stability standards and stress testing.

Financial regulators must assess the competitive effects a merger will have on the market for certain financial products.

Applicants for a bank merger must disclose specified communications regarding the proposed merger.

The bill provides citizens with standing to file a civil action to review a merger approval.

What's happening now January 16, 2020

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Related & companion bills 1
  • HR 5318 Related bill Bank Merger Review Modernization Act of 2019
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
Cite this page click to expand
APA
U.S. Congress. (2026). S. 3213: Bank Merger Review Modernization Act of 2019. 116th Congress. Open America. https://openamerica.io/bill/116-S-3213/
MLA
"S. 3213: Bank Merger Review Modernization Act of 2019." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-S-3213/.
Bluebook (legal)
S. 3213, 116th Cong. (2026), https://openamerica.io/bill/116-S-3213/.
Markdown link
[S. 3213: Bank Merger Review Modernization Act of 2019](https://openamerica.io/bill/116-S-3213/)
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