HR 5262 · introduced · major
Bank Competition Modernization Act
- economy
What this bill does
- Bank regulators can approve mergers below $10 billion in assets without reviewing competitive impact.
- Community banks and their customers are affected by reduced antitrust scrutiny on smaller bank deals.
- The $10 billion threshold adjusts annually for inflation; changes take effect upon enactment.
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Community Threads
Started by Cosponsor
- 01
How might reducing antitrust review for bank mergers under $10 billion affect competition and choice for customers in rural or underserved communities?
- 02
What evidence supports the argument that smaller bank mergers pose less competitive risk than larger ones, and what are the potential downsides of this assumption?
- 03
How would this change in regulatory burden affect the resources available to bank regulators for reviewing larger mergers and other financial oversight priorities?
Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.
Sponsor · R-WI-5
Scott Fitzgerald
Citizen cosponsors
0
In Congress
0/ 435
House Reps cosponsoring
Introduced 2025-11-04
Legislative timeline
2025-11-04 · house · Calendars
Placed on the Union Calendar, Calendar No. 317.
2025-11-04 · house · Committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-365.
2025-11-04 · Committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-365.
2025-09-16 · house · Committee
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24.
2025-09-16 · house · Committee
Committee Consideration and Mark-up Session Held
2025-09-10 · house · IntroReferral
Referred to the House Committee on Financial Services.
2025-09-10 · IntroReferral
Introduced in House
2025-09-10 · IntroReferral
Introduced in House
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