Skip to main content
H.R. 5262 119th Congress House

Bank Competition Modernization Act

Official title: 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 entitie… Show full official titleShow less

Official title: 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.

Introduced: September 10, 2025 Introduced by: Scott Fitzgerald Republican · Wisconsin See on congress.gov
Finance and Financial Sector Bank accounts, deposits, capitalBanking and financial institutions regulationBusiness recordsCompetition and antitrust
More subjectsShow fewer subjects
Corporate finance and managementPerformance measurement
Sign in to write a letter Sign in to watch
 Everywhere this bill has been 6 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Nov 4, 2025
Placed on the Union Calendar, Calendar No. 317.
Nov 4, 2025
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-365.
Sep 16, 2025
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24.
Sep 16, 2025
Committee Consideration and Mark-up Session Held
Sep 10, 2025
Introduced in House
Sep 10, 2025
Referred to the House Committee on Financial Services.
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

What's happening now November 4, 2025

Placed on the Union Calendar, Calendar No. 317.

 Plain-English summary Congressional Research Service

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.

 Hearings & markups 1
  • Various Measures
    Markup Sep 16, 2025 · 10:00 AM EDT · Financial Services Committee
 Related & companion bills 1
  • HR 6955 Main Street Capital Access Act
 Bill text 2 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 12

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 12 filings →
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5262: Bank Competition Modernization Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-5262/
MLA
"H.R. 5262: Bank Competition Modernization Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-5262/.
Bluebook (legal)
H.R. 5262, 119th Cong. (2026), https://openamerica.io/bill/119-HR-5262/.
Markdown link
[H.R. 5262: Bank Competition Modernization Act](https://openamerica.io/bill/119-HR-5262/)
Report a problem