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H.R. 1013 · HOUSE2d
Retirement Fairness for Charities and Educational Institutions Act of 2025
Rule H. Res. 1650 passed House.
H.Res. 1654 · HOUSE3d
Congratulating the Milwaukee Brewers, and the fans of the Milwaukee Brewers, on winning Major League Baseball's 2026 World Championship Series.
Referred to the House Committee on Oversight and Government Reform.
H.Res. 1653 · HOUSE3d
Honoring the service and sacrifice of America's veterans on Veterans Day, 2026.
Referred to the House Committee on Veterans' Affairs.
H.R. 10964 · HOUSE3d
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Referred to the House Committee on Oversight and Government Reform.
H.R. 10967 · HOUSE3d
Diwali Day Act
Referred to the House Committee on Oversight and Government Reform.
H.Res. 1651 · HOUSE3d
Supporting the goals and ideals of "National Veterans Small Business Week".
Referred to the House Committee on Small Business.
H.R. 10963 · HOUSE3d
To eliminate the statute of limitations for certain Federal perjury offenses.
Referred to the House Committee on the Judiciary.
H.Res. 1652 · HOUSE3d
Expressing support for the designation of the week beginning on November 9, 2026, as "National School Psychology Week".
Referred to the House Committee on Education and Workforce.
H.Res. 1650 · HOUSE3d
Providing for consideration of the bill (H.R. 1013) to amend the Federal securities laws to enhance 403(b) plans, and for other purposes.
Placed on the House Calendar, Calendar No. 92.
H.R. 10961 · HOUSE3d
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Referred to the House Committee on Veterans' Affairs.
H.R. 10968 · HOUSE3d
No Veteran Left Behind: Housing Retention Act of 2026
Referred to the House Committee on Veterans' Affairs.
H.R. 10966 · HOUSE3d
Supporting Veteran Mothers Act of 2026
Referred to the House Committee on Veterans' Affairs.
H.R. 10969 · HOUSE3d
Healthy Meal Time Act of 2026
Referred to the House Committee on Education and Workforce.
H.R. 10970 · HOUSE3d
Cardiovascular Disease Early Detection and Prevention Act of 2026
Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently…
H.R. 10962 · HOUSE3d
Justification Oversight and Opportunities for Main Street Act of 2026
Referred to the House Committee on Armed Services.
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119th Congress · H.R. 6556 · Passed Origin

Failing Bank Acquisition Fairness Act

This bill tightens restrictions on certain waivers granted by federal financial regulators to companies that acquire insured depository institutions. Under current law, a regulator may not approve an acquisition if it would result in an institution exceeding a set concentration limit (i.e., controlling more than 10% of total insured U.S. deposits). This may be waived if one or more of the institutions involved is in default or in danger of default or if the Federal Deposit Insurance Corporation (FDIC) is providing certain assistance. In addition to these requirements, the bill requires the regulator to determine that (1) the merger is necessary to prevent significant economic disruption or financial instability, and (2) FDIC has not received a qualified bid from a company not subject to this concentration limit. The bill also provides capitalization and management standards for qualified bids. Regulators that waive these concentration limits must report to Congress on the circumstances and justification of the waiver.

Full bill text →

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SubjectsAdministrative law and regulatory proceduresBank accounts, deposits, capitalBanking and financial institutions regulationCorporate finance and managementEconomic performance and conditionsFederal Deposit Insurance Corporation (FDIC)Financial crises and stabilizationPerformance measurement

XML scalars

congress
119
type
HR
number
6556
originChamber
House
originChamberCode
H
introducedDate
2025-12-10
updateDate
2026-09-19T23:16:44Z
updateDateIncludingText
2026-09-19T23:16:44Z
title
Failing Bank Acquisition Fairness Act
legislationUrl
https://www.congress.gov/bill/119th-congress/house-bill/6556

Constitutional authority statement (CDATA)

[Congressional Record Volume 171, Number 208 (Wednesday, December 10, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. LYNCH:H.R. 6556.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8, Cl. 18[Page H5561]

Pipeline

Track
federal_presidential
Stage
Passed Chamber of Origin
Stage rank
2

Sponsor

  • Rep. Lynch, Stephen F. [D-MA-8] · [D-MA-8] · L000562
    Dem-MA-8 current · 13 terms · @RepStephenLynch · 3 district offices

Sponsor record (congress_legislators)

Bio (legislators)

bioguide
L000562
status
current
official_full
Stephen F. Lynch
first
Stephen
middle
F.
last
Lynch
suffix
null
nickname
null
birthday
1955-03-31
gender
M

Current term (13 total)

type
rep
state
MA
district
8
class
null
party
Democrat
caucus
null
start
2025-01-03
end
2027-01-03
end_type
null
how
null
url
https://lynch.house.gov
address
2109 Rayburn House Office Building Washington DC 20515-2108
office
2109 Rayburn House Office Building
phone
202-225-8273
fax
null
contact_form
null
rss_url
http://lynch.house.gov/rss.xml

Leadership roles (0)

none

Committee memberships (7)

  • Capital Markets (house) · house · rank 9
  • Delivering on Government Efficiency (house) · house · rank 3
  • Digital Assets, Financial Technology, and Artificial Intelligence (house) · house · Ranking Member · rank 1
  • Financial Institutions (house) · house · rank 9
  • House Committee on Financial Services (house) · house · rank 6 · site
  • House Committee on Oversight and Government Reform (house) · house · rank 3 · site
  • Military and Foreign Affairs (house) · house · rank 2

Social media

District offices (3)

  • 37 Belmont Street, 2nd Floor, Suite 3, Brockton, MA, 02301 · 508-586-5555 · fax 508-580-4692 · 42.080643,-71.023661
  • 1245 Hancock St., Suite 41, Quincy, MA, 02169 · 617-657-6305 · fax 617-773-0955 · 42.2526962,-71.0049509
  • One Harbor Street, Suite 101, Boston, MA, 02210 · 617-428-2000 · fax 617-428-2011 · 42.3456128,-71.0359725

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2014

candidate_id
S0MA00083
cycle
2014
name
LYNCH, STEPHEN F
party
DEMOCRATIC PARTY
office
Senate
state
MA
district
00
incumbent_challenge
Open seat
candidate_status
C
active_through
2013
election_year
null
first_file_date
2009-09-08
last_file_date
2013-01-30
last_f2_date
2013-01-30
address
null

Candidate summary (candidate_summaries) · cycle 2014

cycle
2014
total_receipts
$2,657,862.00
total_disbursements
$2,657,861.00
cash_on_hand_end_period
$0.00
debts_owed_by_committee
$0.00
coverage_start_date
2013-01-01
coverage_end_date
2014-03-31

Connected committees (0)

none

Cosponsors (1)

  • Rep. Gottheimer, Josh [D-NJ-5] · [D-NJ-5] · G000583 · Co-sponsored 2025-12-16
    Dem-NJ-5 current · 5 terms · @RepJoshG · 7 district offices

Committees (2)

  • Banking, Housing, and Urban Affairs Committee [Senate Standing]
    2026-07-15T19:13:03ZReferred To
  • Financial Services Committee [House Standing]
    2026-02-02T15:19:06ZReported By
    2025-12-17T17:46:56ZMarkup By
    2025-12-16T17:46:48ZMarkup By
    2025-12-10T15:06:15ZReferred To

Actions — from XML (16)

  • 2026-07-15IntroReferralvia Senate
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  • 2026-07-14 15:16:22FloorH38310via House floor actions
    Motion to reconsider laid on the table Agreed to without objection.
  • 2026-07-14 15:16:20FloorH37300via House floor actions
    On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H4438-4440)
  • 2026-07-14 15:16:20Floor8000via Library of Congress
    Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.
  • 2026-07-14 15:03:11FloorH8D000via House floor actions
    DEBATE - The House proceeded with forty minutes of debate on H.R. 6556.
  • 2026-07-14 15:03:09FloorH30000via House floor actions
    Considered under suspension of the rules. (consideration: CR H4438-4441)
  • 2026-07-14 15:03:05FloorH30300via House floor actions
    Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  • 2026-02-02CalendarsH12410via House floor actions
    Placed on the Union Calendar, Calendar No. 406.
  • 2026-02-02CommitteeH12200via House floor actions
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-475.
  • 2026-02-02Committee5000via Library of Congress
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-475.
  • 2025-12-17Committeevia House committee actions
    Ordered to be Reported (Amended) by the Yeas and Nays: 51 - 0.
  • 2025-12-17Committeevia House committee actions
    Committee Consideration and Mark-up Session Held
  • 2025-12-16Committeevia House committee actions
    Committee Consideration and Mark-up Session Held
  • 2025-12-10IntroReferralH11100via House floor actions
    Referred to the House Committee on Financial Services.
  • 2025-12-10IntroReferralIntro-Hvia Library of Congress
    Introduced in House
  • 2025-12-10IntroReferral1000via Library of Congress
    Introduced in House

Actions — from bill_actions table (0)

none

Titles

  • Short Titles from RFS (Referred to Senate) bill textRFSS2026-07-17T15:23:24Z
    Failing Bank Acquisition Fairness Act
  • Short Title(s) as Passed HouseEHH2026-07-16T13:23:36Z
    Failing Bank Acquisition Fairness Act
  • Official Title from EH (Engrossed in House) bill textEHH2026-07-16T13:23:36Z
    To prohibit the use of certain concentration limit exceptions with respect to mergers involving a failed bank unless the applicable agency determines such use is necessary to prevent significant economic disruption or significant adverse effects on financial stability, and for other purposes.
  • Short Title(s) as Reported to HouseRHH2026-02-03T06:38:17Z
    Failing Bank Acquisition Fairness Act
  • Display Title2025-12-13T10:08:21Z
    Failing Bank Acquisition Fairness Act
  • Short Title(s) as IntroducedIH2025-12-13T10:08:20Z
    Failing Bank Acquisition Fairness Act
  • Official Title as IntroducedIH2025-12-13T10:03:26Z
    To prohibit the use of certain concentration limit exceptions with respect to mergers involving a failed bank unless the applicable agency determines such use is necessary to prevent significant economic disruption or significant adverse effects on financial stability, and for other purposes.

Text versions (from XML)

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

00 · 2025-12-10 · Introduced in House

Failing Bank Acquisition Fairness Act

This bill tightens restrictions on certain waivers granted by federal financial regulators to companies that acquire insured depository institutions. Under current law, a regulator may not approve an acquisition if it would result in an institution exceeding a set concentration limit (i.e., controlling more than 10% of total insured U.S. deposits). This may be waived if one or more of the institutions involved is in default or in danger of default or if the Federal Deposit Insurance Corporation (FDIC) is providing certain assistance.

In addition to these requirements, the bill requires the regulator to determine that (1) the merger is necessary to prevent significant economic disruption or financial instability, and (2) FDIC has not received a qualified bid from a company not subject to this concentration limit.

The bill also provides capitalization and management standards for qualified bids.

Regulators that waive these concentration limits must report to Congress on the circumstances and justification of the waiver.

Related bills

none

Amendments (0)

none

Laws

none

Committee reports

  • H. Rept. 119-475

Calendar number

null

CBO cost estimates

none

Latest action

Date
2026-07-15
Text
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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
6735
congress
119
bill_type
hr
bill_number
6556
bill_slug
hr-6556-119
title
Failing Bank Acquisition Fairness Act
short_title
Failing Bank Acquisition Fairness Act
sponsor_bioguide_id
L000562
sponsor_name
Rep. Lynch, Stephen F. [D-MA-8]
sponsor_party
D
sponsor_state
MA
introduced_date
2025-12-10
latest_action_date
2026-07-15
latest_action_text
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
status
Committee
policy_area
Finance and Financial Sector
subjects_json
[
  "Administrative law and regulatory procedures",
  "Bank accounts, deposits, capital",
  "Banking and financial institutions regulation",
  "Corporate finance and management",
  "Economic performance and conditions",
  "Federal Deposit Insurance Corporation (FDIC)",
  "Financial crises and stabilization",
  "Performance measurement"
]
govinfo_billstatus_path
BILLSTATUS-119hr6556
raw_billstatus_xml
<?xml version="1.0" encoding="utf-8" standalone="no"?> <billStatus> <version>3.0.0</version> <bill> <number>6556</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>2025-12-10</int…
summary_lede
This bill tightens restrictions on certain waivers granted by federal financial regulators to companies that acquire insured depository institutions. Under current law, a regulator may not approve an acquisition if it would result in an institution exceeding a set concentration limit (i.e., controlling more than 10% of total insured U.S. deposits). This may be waived if one or more of the insti…
topic_primary
finance
topic_secondary_json
[]
action_family
committee_active
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
passed_origin
pipeline_stage_rank
2
stable_action_id
hr-6556-119
jurisdiction
federal
lock_status
open
lock_at
null
content_hash
2271e011ef304931670f0c44b3cbc868329be909c3f2bc45504ba8e5fe0c648f
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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