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HR 5262 119th Congress House Finance and Financial Sector Bank accounts, deposits, capital Banking and financial institutions regulation Business records Competition and antitrust Corporate finance and management Performance measurement

Bank Competition Modernization Act

Introduced: September 10, 2025 Introduced by: Fitzgerald, Scott Republican · Wisconsin See on congress.gov
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 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.
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 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.

What's happening now November 4, 2025

Placed on the Union Calendar, Calendar No. 317.

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

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 9

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

See all 9 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/)
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