PlainBillCongress, translated.Legislation. Context. Public interest.Placed on the Union Calendar, Calendar No. 317.
Congressional Research Service
Version 07 · Reported to House · Nov 4, 2025
Bank Competition Modernization Act
This bill allows financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic.
Currently, regulators are prohibited from approving a bank acquisition, merger, or consolidation that would result in a monopoly, that would be in furtherance of a conspiracy or attempt to create a monopoly, the approval of which would substantially lessen competition, or that would otherwise restrain trade.
The bill prohibits regulators from considering these factors for mergers that would result in an entity with less than $10 billion in assets. This threshold must be adjusted annually to reflect increases in the U.S. nominal gross domestic product.
People & committees
Rep. Fitzgerald, Scott [R-WI-5] · R–WI
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Placed on the Union Calendar, Calendar No. 317.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-365.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-365.
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
Text links open the official source. We currently store references to these documents.
Source last updated: Sep 19, 2026. Consult Congress.gov for the current record.
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