To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision.

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Jan 9, 2018

This bill revises the threshold for subjecting a bank holding company to enhanced supervision and prudential standards. Under current law, a bank holding company is subject to such standards and supervision if it has at least $50 billion in assets. Under the bill, a bank holding company shall be subject to such standards and supervision if (1) the company has at least $250 billion in assets; or (2) the company has between $50 billion and $250 billion in assets, and the Financial Stability Oversight Council determines that material financial distress at the company could threaten the financial stability of the United States.

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People & committees

Who introduced it

Rep. Beatty, Joyce [D-OH-3] · D–OH

Committees

Financial Services Committee

0 cosponsorship records, including any withdrawals

Legislative record

Actions

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Jan 9, 2018
Referred to the House Committee on Financial Services.
Jan 9, 2018
Introduced in House
Jan 9, 2018
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Jan 9, 2018 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Jan 3, 2025. Consult Congress.gov for the current record.

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Neutral evidence review

Objective

Analyze H.R.4746 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

View full prompt & sources

Discuss H.R.4746, 115th Congress: To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision.

Official record: https://www.congress.gov/bill/115th-congress/house-bill/4746

Text version to examine: Introduced in House · 2018-01-09.

Official full text: https://www.congress.gov/115/bills/hr4746/BILLS-115hr4746ih.htm

Imported record last updated by the source: 2025-01-03T01:03:42Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.4746 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.R.4746 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

View full prompt & sources

Discuss H.R.4746, 115th Congress: To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision.

Official record: https://www.congress.gov/bill/115th-congress/house-bill/4746

Text version to examine: Introduced in House · 2018-01-09.

Official full text: https://www.congress.gov/115/bills/hr4746/BILLS-115hr4746ih.htm

Imported record last updated by the source: 2025-01-03T01:03:42Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.4746 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.4746 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.4746, 115th Congress: To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision.

Official record: https://www.congress.gov/bill/115th-congress/house-bill/4746

Text version to examine: Introduced in House · 2018-01-09.

Official full text: https://www.congress.gov/115/bills/hr4746/BILLS-115hr4746ih.htm

Imported record last updated by the source: 2025-01-03T01:03:42Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.4746 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.4746 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.4746, 115th Congress: To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision.

Official record: https://www.congress.gov/bill/115th-congress/house-bill/4746

Text version to examine: Introduced in House · 2018-01-09.

Official full text: https://www.congress.gov/115/bills/hr4746/BILLS-115hr4746ih.htm

Imported record last updated by the source: 2025-01-03T01:03:42Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.4746 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.