Requires the Comptroller General of the United States to study how federal bank and credit union regulators use commitments and conditions when reviewing insured depository institution merger applications, and to report the findings to Congress within one year.

Official title: Merger Agreement Approvals Clarity and Predictability 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 General to study merger reviews by the Federal Reserve, the Comptroller of the Currency, the FDIC, and the NCUA Board.
Examines whether commitments and conditions align with statutory requirements and whether extrastatutory considerations influence them.
Evaluates the effects of merger review procedures on safety and soundness, financial stability, competition, and access to financial products and services.
Requires a report to Congress within 1 year after enactment.

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 Scott Fitzgerald (R-WI) Cosponsors · 1

■ 1 R

1 Republican

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