HR 5262
Advanced toward a vote
Exempts bank, bank holding company, and savings and loan mergers that result in an institution with under $10 billion in assets from review of their monopoly and competition effects, and raises that dollar threshold as nominal GDP grows.
Official title: Bank Competition Modernization Act
Timeline each lane is a chamber; dates pull from congress.gov actions
House
Introduced
10-SEP-2025
Referred
10-SEP-2025
Approved by committee
16-SEP-2025
Reported
04-NOV-2025
On the calendar
04-NOV-2025
- Bars regulators from considering whether a qualifying merger would create a monopoly or substantially lessen competition, for mergers resulting in an institution with under $10 billion in assets.
- Applies the exemption to mergers under the Federal Deposit Insurance Act, the Bank Holding Company Act of 1956, and the Home Owners' Loan Act.
- Adjusts the $10 billion figure at the end of each year that nominal GDP increases, using statistics from the Bureau of Economic Analysis.
Current. The Congressional Research Service's summary covers the bill's latest wording (Reported to House, 04-NOV-2025).
CRS is the Library of Congress's nonpartisan research office. Read it on congress.gov- Financial Services Committee (House)
Finance and Financial Sector
No cosponsors.