Requires the Comptroller of the Currency, the FDIC, and the Federal Reserve to jointly study shelf charters and the FDIC's modified bidder process for selling failed banks, then report their findings and recommended changes to Congress within one year.

Official title: Enhancing Bank Resolution Participation Act

Next stop House floor: awaiting a vote

Timeline each lane is a chamber; dates pull from congress.gov actions

House

Introduced 10-DEC-2025

Referred 10-DEC-2025

Approved by committee 17-DEC-2025

Reported 25-FEB-2026

On the calendar 25-FEB-2026

Key points

Directs the Comptroller, FDIC, and Federal Reserve to study shelf charter approvals granted since January 1, 2008, and the FDIC's modified bidder qualification process, including 2023 bank receiverships.
Examines how greater use of these tools could affect competition, the Deposit Insurance Fund, financial stability, consumer products, and the need for Treasury emergency determinations, and reviews the benefits and risks of private equity bank ownership.
Requires a report to the House Financial Services Committee and the Senate Banking Committee within one year that identifies legal or regulatory barriers and recommends changes.

AI-generated from the Reported in House text of 25-FEB-2026 · verify · report an error

Official CRS summary

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Committee referrals (1)

Policy area

Finance and Financial Sector

Sponsor Bill Huizenga (R-MI) Cosponsors · 2

■ 1 R■ 1 D

1 Democrat

1 Republican

congress.gov page Reported in House (25-FEB-2026) Introduced in House (10-DEC-2025)