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HR 3914 118th Congress House Finance and Financial Sector

Failing Bank Acquisition Fairness Act

Introduced: June 7, 2023 Introduced by: Lynch, Stephen F. Democratic · Massachusetts See on congress.gov
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This bill died when the 118th Congress ended
It never became law before the 118th Congress (2023–2024) 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
Jun 7, 2023
Referred to the House Committee on Financial Services.
Jun 7, 2023
Introduced in House
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 Plain-English summary Congressional Research Service

Failing Bank Acquisition Fairness Act

This bill restricts the ability of large banks and financial companies to acquire banks in default or in danger of default if smaller institutions otherwise qualify. Specifically, if a merger with a bank in default results in one institution controlling more than a specified percentage of deposits or liabilities in the United States, regulators are prohibited from approving it, unless no other institution qualifies.

What's happening now June 7, 2023

Referred to the House Committee on Financial Services.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 3914: Failing Bank Acquisition Fairness Act. 118th Congress. Open America. https://openamerica.io/bill/118-HR-3914/
MLA
"H.R. 3914: Failing Bank Acquisition Fairness Act." 118th Congress, 2026, Open America, https://openamerica.io/bill/118-HR-3914/.
Bluebook (legal)
H.R. 3914, 118th Cong. (2026), https://openamerica.io/bill/118-HR-3914/.
Markdown link
[H.R. 3914: Failing Bank Acquisition Fairness Act](https://openamerica.io/bill/118-HR-3914/)
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