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119th Congress · H.R. 5262 · Introduced

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.

Full bill text →

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SubjectsBank accounts, deposits, capitalBanking and financial institutions regulationBusiness recordsCompetition and antitrustCorporate finance and managementPerformance measurement

XML scalars

congress
119
type
HR
number
5262
originChamber
House
originChamberCode
H
introducedDate
2025-09-10
updateDate
2026-09-19T23:16:44Z
updateDateIncludingText
2026-09-19T23:16:44Z
title
Bank Competition Modernization Act
legislationUrl
https://www.congress.gov/bill/119th-congress/house-bill/5262

Constitutional authority statement (CDATA)

[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]

Pipeline

Track
federal_presidential
Stage
Introduced
Stage rank
3

Sponsor

  • Rep. Fitzgerald, Scott [R-WI-5] · [R-WI-5] · F000471
    Rep-WI-5 current · 3 terms · @RepFitzgerald · 1 district office

Sponsor record (congress_legislators)

Bio (legislators)

bioguide
F000471
status
current
official_full
Scott Fitzgerald
first
Scott
middle
L.
last
Fitzgerald
suffix
null
nickname
null
birthday
1963-11-16
gender
M

Current term (3 total)

type
rep
state
WI
district
5
class
null
party
Republican
caucus
null
start
2025-01-03
end
2027-01-03
end_type
null
how
null
url
https://fitzgerald.house.gov
address
2444 Rayburn House Office Building Washington DC 20515-4905
office
2444 Rayburn House Office Building
phone
202-225-5101
fax
null
contact_form
null
rss_url
null

Leadership roles (0)

none

Committee memberships (6)

  • Courts, Intellectual Property, Artificial Intelligence, and the Internet (house) · house · rank 3
  • Financial Institutions (house) · house · rank 11
  • House Committee on Financial Services (house) · house · rank 20 · site
  • House Committee on the Judiciary (house) · house · rank 8 · site
  • Housing and Insurance (house) · house · rank 7
  • The Administrative State, Regulatory Reform, and Antitrust (house) · house · Chair · rank 1

Social media

District offices (1)

  • 175 E Wisconsin Ave, H (2nd Floor), Oconomowoc, WI, 53066 · 262-784-1111 · 43.1102761,-88.4971922

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id
H0WI05113
cycle
2026
name
FITZGERALD, SCOTT
party
REPUBLICAN PARTY
office
House
state
WI
district
05
incumbent_challenge
Incumbent
candidate_status
C
active_through
2026
election_year
null
first_file_date
2019-09-17
last_file_date
2024-12-05
last_f2_date
2024-12-05
address
null

Candidate summary (candidate_summaries) · cycle 2026

cycle
2026
total_receipts
$1,369,100.47
total_disbursements
$886,690.69
cash_on_hand_end_period
$1,320,015.58
debts_owed_by_committee
$0.00
coverage_start_date
2025-01-01
coverage_end_date
2026-07-22

Connected committees (0)

none

Cosponsors (0)

none

Committees (1)

  • Financial Services Committee [House Standing]
    2025-11-04T18:47:31ZReported By
    2025-09-16T14:39:39ZMarkup By
    2025-09-10T14:05:20ZReferred To

Actions — from XML (8)

  • 2025-11-04CalendarsH12410via House floor actions
    Placed on the Union Calendar, Calendar No. 317.
  • 2025-11-04CommitteeH12200via House floor actions
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-365.
  • 2025-11-04Committee5000via Library of Congress
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-365.
  • 2025-09-16Committeevia House committee actions
    Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24.
  • 2025-09-16Committeevia House committee actions
    Committee Consideration and Mark-up Session Held
  • 2025-09-10IntroReferralH11100via House floor actions
    Referred to the House Committee on Financial Services.
  • 2025-09-10IntroReferralIntro-Hvia Library of Congress
    Introduced in House
  • 2025-09-10IntroReferral1000via Library of Congress
    Introduced in House

Actions — from bill_actions table (0)

none

Titles

  • Short Title(s) as Reported to HouseRHH2025-11-05T03:53:12Z
    Bank Competition Modernization Act
  • Display Title2025-09-16T07:38:16Z
    Bank Competition Modernization Act
  • Short Title(s) as IntroducedIH2025-09-16T07:38:15Z
    Bank Competition Modernization Act
  • Official Title as IntroducedIH2025-09-16T07:33:22Z
    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.

Text versions (from XML)

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

07 · 2025-11-04 · Reported to House

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.

Related bills

  • HR 6955 (119) Main Street Capital Access Act
    Latest: 2026-07-22 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
    Relationship: Related bill (via CRS)

Amendments (0)

none

Laws

none

Committee reports

  • H. Rept. 119-365

Calendar number

null

CBO cost estimates

none

Latest action

Date
2025-11-04
Text
Placed on the Union Calendar, Calendar No. 317.
Time
null

Dublin Core

format
text/xml
language
EN
rights
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.
contributor
Congressional Research Service, Library of Congress
description
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.

Row fields (debug)

id
4929
congress
119
bill_type
hr
bill_number
5262
bill_slug
hr-5262-119
title
Bank Competition Modernization Act
short_title
Bank Competition Modernization Act
sponsor_bioguide_id
F000471
sponsor_name
Rep. Fitzgerald, Scott [R-WI-5]
sponsor_party
R
sponsor_state
WI
introduced_date
2025-09-10
latest_action_date
2025-11-04
latest_action_text
Placed on the Union Calendar, Calendar No. 317.
status
null
policy_area
Finance and Financial Sector
subjects_json
[
  "Bank accounts, deposits, capital",
  "Banking and financial institutions regulation",
  "Business records",
  "Competition and antitrust",
  "Corporate finance and management",
  "Performance measurement"
]
govinfo_billstatus_path
BILLSTATUS-119hr5262
raw_billstatus_xml
<?xml version="1.0" encoding="utf-8" standalone="no"?> <billStatus> <version>3.0.0</version> <bill> <number>5262</number> <updateDate>2026-09-19T23:16:44Z</updateDate> <updateDateIncludingText>2026-09-19T23:16:44Z</updateDateIncludingText> <originChamber>House</originChamber> <originChamberCode>H</originChamberCode> <type>HR</type> <introducedDate>2025-09-10</int…
summary_lede
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 c…
topic_primary
finance
topic_secondary_json
[]
action_family
introduced_only
response_available
0
response_type
null
response_deadline
null
importance_score
null
consequence_score
null
urgency_score
null
overall_score
null
in_canopy
0
canopy_expires_at
null
pipeline_track
federal_presidential
pipeline_stage
introduced
pipeline_stage_rank
3
stable_action_id
hr-5262-119
jurisdiction
federal
lock_status
open
lock_at
null
content_hash
97f95bc5d7a51468f0c10f05a372b581812b6d10888b1eb07324931aaccec65f
anchored_at
null
anchor_merkle_root
null
source_kind
api_fill
first_seen_at
2026-04-20T08:15:57.988066+00:00
last_seen_at
2026-09-27T11:30:22.070413+00:00
⎔ AnchoredNothing is troublesome that we do willingly.Epoch 2026-Q4