Banking & Lending

Community and regional banks, credit unions, and lenders. Capital thresholds, payments rules, lending compliance, deposit programs, and consumer-protection authority land on the balance sheet.

Measures whose provisions reach this industry directly, verified against the bill text. Measures written for this industry lead the list, then measures that plainly change how it operates; within each, the likeliest to become law come first. Measures that have become law or failed are removed. Measures written to all of Finance & Insurance are included and marked Sector-wide.

Measures that reach Banking & Lending directly

HR 10352 US House Last action
September 16, 2026 BenefitLong shot

504 Program Level Flexibility Act

Lateefah Simon (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would let the Small Business Administration's Administrator, starting in fiscal year 2027, commit to guarantee up to 115 percent of the legal limit on small business loan guarantees for a fiscal year whenever the agency expects demand to exceed that cap, but only once per year and only after giving Congress 30 days' notice. The change applies to loans guaranteed under the Small Business Investment Act's development company lending program and would expand the amount of guaranteed financing available beyond the existing ceiling. This bill lets the SBA guarantee up to 115 percent of the annual 504 loan cap when demand is high, giving certified development companies and nondepository lenders that arrange these loans more guaranteed lending capacity to offer small business borrowers starting in fiscal 2027.
Where it stands: HR 10352 was referred to the House Committee on Small Business on September 14, 2026, ordered reported by a 23-0 vote at that committee's markup on September 16, 2026, and on October 9, 2026 its written report was filed and the bill was placed on the Union Calendar as Calendar No. 747. Calendar placement conveys eligibility only and schedules nothing.

HR 10375 US House Last action
September 16, 2026 MixedLong shot

504 Modernization and Small Manufacturer Enhancement Act of 2026

Nydia M. Velázquez (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would change Small Business Administration 504 loan rules by letting certified development companies designated as accredited lenders correct routine errors, swap borrower and guarantor roles, and reallocate up to 10 percent of project costs at closing, while allowing small businesses to lease a portion of financed buildings to tenants (up to 20 percent of a new facility, up to half of an existing building, or up to 66 percent if they occupied the building for a consecutive 12 months and meet other conditions) and applying a 50 percent occupancy requirement on new facilities for small manufacturers instead of 60 percent. It would also add workforce training, disaster-area revitalization (for disasters declared within the past five years), and expansion of small businesses with 10 or fewer employees to the program's policy goals, exempt these loans from the credit-elsewhere test, move loan file review duties from SBA district counsels to the Office of Credit Risk Management, let approved Priority development companies use an expedited closing process with approved in-house attorneys, and require the SBA to begin a marketing and outreach plan within one year. This bill directly benefits certified development companies, the nondepository lenders in the SBA 504 program, by granting closing flexibility, an expedited closing track, exemption from the credit-elsewhere test, and broader borrower eligibility, while increasing competition for private and commercial lenders.
Where it stands: The House Committee on Small Business ordered HR10375 reported at its September 16, 2026 markup by a 23-0 vote, filed its written report on October 9, 2026, and the bill was placed on the Union Calendar (Calendar No. 745) the same day. Calendar placement makes the bill eligible for floor action but schedules nothing; it is the majority leadership that decides if and when it is called up.

HR 10325 US House Last action
September 16, 2026 BurdenLong shot

To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.

Maxine Waters (Democrat) · Sponsor of record · Official record ↗

What it does: The measure would amend the Federal Home Loan Bank Act so that, starting in 2026, the Federal Home Loan Banks must contribute 15 percent of the prior year's net income, or prorated amounts as needed, to keep their total annual affordable housing contributions at no less than $100 million, and it limits the existing fixed-percentage rule to years through the end of 2025. This bill requires Federal Home Loan Banks to contribute 15 percent of prior-year net income to the Affordable Housing Program starting in 2026, raising costs that reduce returns for their member community banks, thrifts, and lenders.
Where it stands: Referred to the House Committee on Financial Services on September 8, 2026, HR10325 was taken up at a markup on September 16, 2026, where the committee ordered it reported unfavorably (amended) on a 21 to 28 tally. No written committee report has been filed and the bill has no calendar placement on the record.

HR 10184 US House Last action
September 16, 2026 MixedLong shot

Consumer Financial Protection Accountability and Reform Act of 2026

Andy Barr (Republican) · Sponsor of record · Official record ↗

What it does: This proposal would sharply restrict the Consumer Financial Protection Bureau's power and reach over financial companies, largely in favor of banks and other regulated firms. It would cut the Bureau's funding and supervision of midsize banks, narrow and delay its enforcement of unfair, deceptive, or abusive practices, shield compliant small dollar loans and earned wage access services from being treated as credit, restrict complaint and penalty processes, and preempt some state rules. This bill directly benefits banks and credit unions by exempting those under $30 billion from CFPB supervision, letting them elect prudential oversight, creating a liability safe harbor for small-dollar loans, and cutting penalties, while imposing new disclosure and collection rules on earned wage access lenders.
Where it stands: The House referred HR10184 on August 31, 2026 to the Committee on Financial Services and, in addition, to the Committees on the Judiciary, Small Business, and Oversight and Government Reform, for periods to be subsequently determined by the Speaker. On September 16, 2026 the Financial Services Committee held a markup and ordered the bill reported (amended) by a vote of 28 to 21, and no written report or calendar placement appears on the record.

HR 6955 US House Last action
July 22, 2026 BenefitLong shot

Main Street Capital Access Act

J. French Hill (Republican) · Sponsor of record · Official record ↗

What it does: The bill would ease regulatory burdens on banks by raising asset thresholds for smaller institutions and establishing faster timelines for examinations and mergers. It would also create new oversight mechanisms for exam disputes and require studies on bank partnerships with financial technology companies. This bill gives community banks, credit unions, and smaller holding companies relief by raising asset thresholds to $6 billion, cutting reporting and examination burdens, speeding merger approvals, and adding deposit and dispute protections for depository institutions.
Where it stands: The bill passed the House on July 21, 2026 and was received in the Senate on July 22, 2026, where it is currently pending in the Committee on Banking, Housing, and Urban Affairs.

HR 9331 US House Last action
September 1, 2026 MixedLong shot

STOP Payments Fraud Act of 2026

Young Kim (Republican) · Sponsor of record · Official record ↗

What it does: The bill would amend the Expedited Funds Availability Act to let banks delay access to deposited checks and wire transfers when they have reasonable suspicion of fraud, with holds of up to 10 days initially and up to 45 days extended, plus up to 60 days of delayed availability for accounts flagged by rule as carrying higher fraud risk. It would also direct the Federal Reserve and the Consumer Financial Protection Bureau to decide, within six months of enactment, whether to suspend faster availability rules for certain classes of checks during periods of material fraud losses, to write rules implementing the new exceptions, to require banks to waive overdraft fees caused by a delayed wire transfer when required notice was not given, and to order a Comptroller General study of funds availability and fraud safeguards. This bill lets banks and credit unions delay availability of checks and wires for up to 45 days on reasonable suspicion of fraud, while requiring them to give written notices, keep records of those notices, and skip overdraft fees when they fail to notify.
Where it stands: The House Committee on Financial Services took up HR9331 at a markup on June 30, 2026 and voted to order it reported, with the written report filed on September 1, 2026. The same day, the bill was placed on the Union Calendar as Calendar No. 692, which makes it eligible for floor action but does not schedule anything.

HR 6556 US House Last action
July 15, 2026 BurdenLong shot

Failing Bank Acquisition Fairness Act

Stephen F. Lynch (Democrat) · Sponsor of record · Official record ↗

What it does: The bill restricts waivers of concentration limits for mergers involving failing banks by requiring regulators to determine that the transaction is necessary to prevent significant economic disruption or adverse financial stability effects and that no qualified bid from an unrestricted competitor exists. It mandates that agencies report to Congress and the public when granting such waivers and prohibits considering bids that violate concentration limits when determining the least costly resolution method. This bill makes it harder for large bank holding companies to acquire failing banks by requiring regulators to prefer qualified bids from well-capitalized smaller competitors before granting concentration-limit waivers.
Where it stands: The House passed the amended bill on July 14, 2026, under suspension of the rules, and the Senate received and referred it to the Committee on Banking, Housing, and Urban Affairs on July 15, 2026.

HR 10821 US House Last action
October 15, 2026 BenefitLong shot

To amend the Federal Deposit Insurance Act to make changes to the Standard Maximum Deposit Insurance Amount, and for other purposes.

Josh Gottheimer (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would raise the standard maximum federal deposit insurance amount from $250,000 to $750,000 per depositor, make that limit permanent by removing the old expiration date, and require the FDIC to adjust the limit each January 1 for inflation, rounded down to the nearest $10,000, with the changes taking effect 180 days after enactment. It would also require the FDIC and the National Credit Union Administration to study and report to Congress within a year on what the appropriate insured amount should be, looking at factors like how deposits are distributed across institutions and the effects on the Deposit Insurance Fund. This bill directly benefits banks and credit unions by raising the federally insured deposit limit from $250,000 to $750,000 per depositor, making the cap permanent, adjusting it yearly for inflation, and requiring FDIC and NCUA study of coverage.
Where it stands: HR 10821 was referred to the House Committee on Financial Services on October 15, 2026 and sits at the very start of the committee stage, with no hearing or markup yet noticed. At this stage the committee chair alone decides whether the bill ever gets a hearing or a markup, so the referral is the gateway, not a commitment.

HR 7866 US House Last action
September 16, 2026 BurdenLong shot

American Lending Fairness Act of 2026

Warren Davidson (Republican) · Sponsor of record · Official record ↗

What it does: The bill would let a state, by adopting a law or certifying a voter-approved provision, opt out of the federal rule that lets its own state-chartered banks and credit unions charge the interest rates of any state, so those lenders would have to follow their home state's rate limits instead. It would also repeal a 1980 federal provision and apply the new opt-out rules to state laws or certifications made before the bill is enacted. This bill lets states opt out of federal rules, so state-chartered banks and credit unions in opt-out states must follow their home state's interest rate limits instead of charging rates exported from other states.
Where it stands: The House Committee on Financial Services held a hearing on this bill on September 2, 2026 and, at a markup on September 16, 2026, voted 31 to 18 to order it reported as amended. No written report has been filed and no calendar placement appears on the record, though filing a written report is not a prerequisite for floor action.

S 3889 US Senate Last action
February 12, 2026 MixedLong shot

American Lending Fairness Act of 2026

Bernie Moreno (Republican) · Sponsor of record · Official record ↗

What it does: The bill would let a state opt out of the federal rule that lets banks and credit unions charge their home state's interest rates nationwide, but only for loans made by institutions the state itself charters, either by passing a law or by certifying that voters approved an opt-out. It would also repeal the existing provision that let states opt out entirely for all lenders, and would apply the new narrower rules to any state opt-out already adopted before enactment. This bill lets states opt out of federal interest rate preemption, exempting state-chartered banks and credit unions from federal rate rules while subjecting out-of-state lenders to local interest rate caps and compliance requirements.
Where it stands: S3889 was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on February 12, 2026, and no further action is recorded. The bill now sits in committee, where the chair decides whether anything happens at all; committees need not act on referred bills, and inaction is the most common outcome.

HR 8671 US House Last action
June 18, 2026 BenefitLong shot

Bank Fraud Technology Advancement Act of 2026

Mike Flood (Republican) · Sponsor of record · Official record ↗

What it does: This bill requires federal banking agencies to conduct a comprehensive study on the use of advanced fraud detection technologies by insured depository institutions and credit unions. It also authorizes the agencies to establish a voluntary pilot program to help smaller financial institutions access these tools through shared services or technical support. This bill directs federal banking agencies to study fraud detection technology and sets up a voluntary pilot program giving community banks and credit unions under $10 billion in assets access to shared tools, model validation help, and vendor risk templates.
Where it stands: The bill was reported by the House Committee on Financial Services on June 18, 2026, following a markup vote on May 13, 2026, and placed on the Union Calendar, Calendar No. 612. This placement establishes eligibility for floor consideration but does not schedule a specific vote.

S 2757 US Senate Last action
September 10, 2025 BenefitLong shot

Keeping Deposits Local Act

Mike Rounds (Republican) · Sponsor of record · Official record ↗

What it does: The bill establishes a sliding scale for the amount of reciprocal deposits banks can hold without being classified as brokered deposits, ranging from 50 percent for the first $1 billion in liabilities down to 2 percent for amounts exceeding $1 trillion. It also changes the eligibility requirement to a CAMELS rating of 1, 2, or 3. This bill changes how banks and credit unions count reciprocal deposits under FDIC brokered deposit rules, letting smaller, healthier-rated institutions hold more of these deposits as regular local funding while weaker-rated banks lose that exemption.
Where it stands: S2757 was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on September 10, 2025, and remains in committee with no scheduled meetings.

HR 10746 US House Last action
October 5, 2026 BurdenLong shot

Fossil Free Finance Act of 2026

Ayanna Pressley (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would require bank holding companies with at least $50 billion in assets to submit Federal Reserve-approved plans to cut their financed greenhouse gas emissions in half by 2035 and to zero by 2050, with no carbon offsets allowed, while immediately ending thermal coal financing, ending support for new or expanded fossil fuel projects within 60 days, and ending all fossil fuel financing and facilitation by 2035. Banks that fail to submit or follow a plan would face Federal Reserve penalties, forced divestiture of assets, and possible termination of their insured depository institution's FDIC insured status, and the Fed would also have to report to Congress on financial sector emissions and the transition's impacts. This bill requires bank holding companies with $50 billion or more in assets to submit emissions-cutting plans to the Federal Reserve, stop fossil fuel financing, and face Fed penalties, forced asset divestiture, or loss of FDIC insurance if they fail to comply.
Where it stands: HR10746, the Fossil Free Finance Act of 2026, was referred to the House Committee on Financial Services on October 5, 2026 and sits at the start of the committee stage, with no meetings on the calendar. The committee chair decides whether a hearing or a markup is ever noticed, though committee action is the ordinary route rather than the only possible path.

S 5644 US Senate Last action
September 30, 2026 BenefitLong shot

A bill to amend title 31, United States Code, to exempt transactions with respect to cash reward payments by crime stopper organizations from certain currency transaction reports.

Ashley Moody (Republican) · Sponsor of record · Official record ↗

What it does: The bill would amend federal banking law to exempt transactions involving cash reward payments by nonprofit crime stopper organizations from currency transaction report requirements, so financial institutions would not have to file reports when a nonprofit pays out a cash reward for information about a crime. This bill exempts cash reward payments by crime stopper organizations from currency transaction report requirements, so banks and other financial institutions no longer need to file reports when handling those payouts.
Where it stands: S5644 was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on September 30, 2026. It now sits at the committee stage, where most Senate bills stop before reaching the floor.

S 5452 US Senate Last action
September 22, 2026 BenefitLong shot

A bill to amend the Financial Stability Act of 2010 to provide for tailoring and indexing enhanced regulations.

Katie Boyd Britt (Republican) · Sponsor of record · Official record ↗

What it does: The bill would raise the asset-size thresholds that trigger stricter federal oversight of big banks, including lifting the main enhanced-regulation trigger from $250 billion to $370 billion in assets and the stress-testing and assessment triggers from $100 billion to $150 billion, so fewer banks fall under those tougher rules. It would also require the Federal Reserve and other banking agencies to adjust these thresholds every five years using an economic index they choose, such as nominal GDP or the Consumer Price Index, and to review and update similar thresholds set in their own regulations. This bill raises the asset thresholds that decide which banks and bank holding companies face stricter federal oversight, so regional and mid-sized banks can grow larger before enhanced capital and stress testing rules apply.
Where it stands: S5452 was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on September 22, 2026, and no hearing or markup is scheduled in the calendar data. Committee action is the ordinary route, but referral does not foreclose bypass paths such as unanimous consent, discharge, or use as an amendment.

HR 10439 US House Last action
September 16, 2026 BenefitLong shot

Veterans and Consumers Fair Credit Act

Glenn Grothman (Republican) · Sponsor of record · Official record ↗

What it does: The bill would extend the interest-rate caps and consumer credit protections that currently apply only to service members and their dependents under the Military Lending Act to all consumers, with exceptions for residential mortgages, car-purchase loans secured by the car, and loans from federal credit unions subject to the credit union usury limit. It would also let state attorneys general and state regulators sue to enforce the protections within a 3-year window, direct the Consumer Financial Protection Bureau to issue implementing rules within 1 year, and make the changes apply to new credit after rules require compliance or 18 months after enactment, whichever comes first. This bill applies a federal rate cap to creditors extending consumer credit, hitting consumer and payday lenders with direct compliance burdens and penalties, while exempting residential mortgage loans, car purchase loans, and Federal credit union loans.
Where it stands: The bill was referred to the House Committee on Financial Services on September 16, 2026 and sits at the start of the committee stage, with no hearing or markup on the committee's calendar in our data. Committee action is the ordinary route, but it is not an absolute prerequisite, since House leadership, suspension, a special rule, or discharge could provide another path.

S 5389 US Senate Last action
September 14, 2026 BurdenLong shot

Ending Presidential Corruption in Banking Act

Elizabeth Warren (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would bar the Federal Reserve Board, Federal Deposit Insurance Corporation, and Office of the Comptroller of the Currency from approving any bank charter, master account, deposit insurance, or federal banking license if the President, Vice President, a Member of Congress, a Senate-confirmed executive appointee, or a special government employee at the Executive Office of the President, or the spouse or child of the President or Vice President, holds more than 10 percent ownership, an organizer or senior executive role, or controlling influence over the bank. It would also require those agencies, within 60 days of enactment, to terminate the charter, license, master account, or deposit insurance of any bank whose application was approved after January 20, 2025 while such an official held such a role, and would make it unlawful for the President, Vice President, or their spouses or children to own, control, or hold a senior role at any bank, with noncompliant banks terminated after a 30-day post-inauguration compliance period. This bill bars federal regulators from approving applications from banks owned or controlled by the President, Vice President, or their spouses and children, and requires terminating the charters, master accounts, and deposit insurance of any bank found to violate that ban.
Where it stands: S5389 was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on September 14, 2026, where it now sits awaiting committee action. The record shows no calendar placement and no scheduled committee meetings.

HR 10350 US House Last action
September 10, 2026 MixedLong shot

Protecting Elders from Wire Fraud Act

George Whitesides (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would require banks, brokerages, and insurance firms to report suspected financial exploitation of senior citizens to the appropriate agency within 5 days of suspecting it, and to place a hold on any questioned transaction for up to 30 business days, extendable for two more 30-day periods, while notifying an account's trusted contact within 1 day. It would also require these institutions to turn over requested records within 2 business days, allow staff to share information with people close to the senior, and protect the institutions from liability for good-faith refusals, delays, or disclosures, all taking effect 180 days after enactment. This bill requires banks and credit unions to report suspected elder financial exploitation to regulators within five days, place holds on suspicious transactions, turn over records within two business days, and protects them from liability for good-faith delays.
Where it stands: HR10350 was referred to the House Committee on Financial Services on September 10, 2026 and sits at committee stage, where the chair controls whether the bill ever receives a hearing or a markup and where a bill can die quietly with no noticed action.

HR 10242 US House Last action
September 3, 2026 BurdenLong shot

Janie Wynn Protecting Elders from Financial Exploitation Act

Clay Higgins (Republican) · Sponsor of record · Official record ↗

What it does: This proposal would direct the Consumer Financial Protection Bureau to write a rule requiring card issuers that send pre-approved credit cards to senior citizens to provide fraud alerts on activation to the cardholder and to a chosen relative, spouse, or trusted contact who is at least 25, unless the cardholder signs a waiver the issuer must keep for at least 5 years after the card is deactivated. It would also require banks and credit unions to train employees who do fraud detection to spot account activity that may signal elder financial exploitation, such as irregular withdrawals, gift card or prepaid debit purchases over $100, or new ACH payees, and to notify affected senior account holders within 24 hours of such activity. This bill requires banks, credit unions, and card issuers to train fraud-detection staff to spot elder exploitation, alert a trusted contact when pre-approved cards are activated, keep waiver records five years, and notify senior account holders within 24 hours of suspicious activity.
Where it stands: HR10242 was referred to the House Committee on Financial Services on September 3, 2026, where it sits at the earliest stage of the committee process. The Financial Services chair decides whether the bill ever gets a hearing or a markup, though leadership routes such as suspension of the rules, a special rule, or a discharge petition could bypass the committee.

HR 4478 US House Last action
May 13, 2026 BenefitLong shot

TRUST Act of 2025

Tim Moore (Republican) · Sponsor of record · Official record ↗

What it does: The bill raises the asset threshold for extended examination cycles from $3 billion to $6 billion. This allows federal banking agencies to inspect qualifying insured depository institutions with assets under $6 billion at least once every 18 months instead of every 12 months. This bill doubles the asset threshold for longer exam cycles from $3 billion to $6 billion, letting insured depository institutions under $6 billion face federal examinations every 18 months instead of every 12, cutting compliance costs for community and regional banks.
Where it stands: The bill passed the House on May 12, 2026, by voice vote under suspension of the rules and is now pending in the Senate. It was received in the Senate on May 13, 2026, and referred to the Committee on Banking, Housing, and Urban Affairs.

HR 10230 US House Last action
September 2, 2026 BurdenLong shot

Strengthening Oversight for the Financial Sector Act of 2026

Bill Foster (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would give the Director of the Federal Housing Finance Agency the power to regulate and examine outside companies that perform services, by contract or otherwise, for Fannie Mae, Freddie Mac, the Federal Home Loan Banks, and the Office of Finance, and would require those regulated entities to tell the Director about such service relationships within thirty days. It would also make modest changes to the Federal Credit Union Act's rules on credit union regulation and examination, including requiring notifications to the Board in a manner the Board prescribes and deleting one subsection of existing law. This bill subjects banks, lenders, and service providers working with Fannie Mae, Freddie Mac, and the Federal Home Loan Banks to new oversight and thirty-day reporting of service relationships, and modifies how credit unions are regulated and examined.
Where it stands: HR10230 was referred to the House Committee on Financial Services on September 2, 2026 and sits at the earliest stage of the committee process, with no committee meetings scheduled in the available calendar data. The committee's chair decides whether a hearing or markup is ever noticed, though leadership could also move the bill without committee action.

HR 4437 US House Last action
May 13, 2026 BenefitLong shot

SMART Act of 2025

William R. Timmons IV (Republican) · Sponsor of record · Official record ↗

What it does: The bill requires well-managed and well-capitalized banks and credit unions with $6 billion or less in assets to alternate between full-scope and limited-scope examinations and allows them to request combined exams. It also directs regulators to minimize examiner numbers and time spent at these institutions while requiring experienced staff to lead the reviews. This bill lets well-managed, well-capitalized banks and credit unions with $6 billion or less in assets alternate between limited-scope and full-scope exams, request combined exams, and face fewer examiners spending less time on site.
Where it stands: The bill passed the House on May 12, 2026, by voice vote under suspension of the rules and was received in the Senate on May 13, 2026, where it was referred to the Committee on Banking, Housing, and Urban Affairs.

HR 10082 US House Last action
August 13, 2026 BenefitLong shot

Credit Union Investment Authority Act

Janelle S. Bynum (Democrat) · Sponsor of record · Official record ↗

What it does: This bill allows federal credit unions to invest in corporate debt from entities not primarily serving credit unions and in asset-backed securities. The National Credit Union Administration Board must issue regulations setting minimum standards for these investments within one year of enactment. This bill expands investment authority for federal credit unions, allowing them to buy corporate debt and asset-backed securities once NCUA issues minimum regulatory standards, giving these lenders new options to diversify their portfolios.
Where it stands: HR 10082 was referred to the House Committee on Financial Services on August 13, 2026, with no upcoming meetings scheduled in the calendar data. The committee chair currently controls whether a hearing or markup is noticed.

S 5358 US Senate Last action
August 6, 2026 BurdenLong shot

FAIRR Act

Mark R. Warner (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would require the Financial Stability Oversight Council to assess artificial intelligence risks to the financial system and submit a report with recommendations to Congress. It would also mandate that the Securities and Exchange Commission establish rules requiring financial firms to implement specific governance and compliance controls for their use of artificial intelligence. This bill requires banks, credit unions, and other financial firms that use artificial intelligence to adopt SEC-mandated governance and compliance controls, and it expands federal oversight of the outside vendors providing them AI services, raising compliance costs.
Where it stands: The FAIRR Act was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on August 6, 2026, and is currently pending in that committee.

S 5335 US Senate Last action
August 6, 2026 BenefitLong shot

Fair Audits and Inspections for Regulators' Exams Act

Jerry Moran (Republican) · Sponsor of record · Official record ↗

What it does: This bill would impose strict deadlines on federal regulators for completing bank examinations and issuing reports, while creating a new independent office to review supervisory determinations and handle appeals. It would also allow financial institutions to request binding written guidance on specific regulatory matters and permit them to choose a federal court rather than an administrative hearing for enforcement actions. This bill gives banks, credit unions, and other regulated lenders the right to completed examinations within 270 days, independent review of supervisory findings, binding written guidance, and federal court hearings in enforcement actions.
Where it stands: S5335 has been read twice and referred to the Committee on Banking, Housing, and Urban Affairs as of August 6, 2026. The bill currently sits with its committee.

HR 10028 US House Last action
August 3, 2026 BenefitLong shot

MOVE Act

Thomas H. Kean, Jr. (Republican) · Sponsor of record · Official record ↗

What it does: This bill requires Fannie Mae and Freddie Mac to begin purchasing and securitizing conventional mortgages that allow borrowers to transfer their existing loan terms to a new home within 90 days of selling their previous one. The agencies must start this process within 180 days of the bill becoming law. This bill requires Fannie Mae and Freddie Mac to buy and securitize conventional mortgages that let borrowers transfer their loan terms to a new home, giving banks and lenders a new portable loan product they can originate and sell to the agencies.
Where it stands: HR10028 was referred to the House Committee on Financial Services on August 3, 2026. No future meetings are scheduled for the measure.

S 5204 US Senate Last action
July 30, 2026 BenefitLong shot

SMART Savings Act of 2026

Sector-wide

John Barrasso (Republican) · Sponsor of record · Official record ↗

What it does: This act exempts individual retirement accounts from certain federal prohibited transaction rules to allow financial institutions to offer reduced-cost products or services based on account balances. It retains existing bans on self-dealing while permitting banks and investment firms to provide relationship benefits to retirement account holders without violating federal tax law.
Where it stands: The SMART Savings Act of 2026 was read twice and referred to the Senate Committee on Finance on July 30, 2026. No upcoming meetings are scheduled in the available calendar data.

SJRES 203 US Senate Last action
July 29, 2026 BurdenLong shot

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "Preemption Determination: State Interest-on-Escrow Laws".

Jack Reed (Democrat) · Sponsor of record · Official record ↗

What it does: This resolution would nullify a federal rule that preempted state laws requiring interest payments on escrow accounts. By disapproving the rule, it would allow states to enforce their own interest-on-escrow requirements against national banks and federal savings associations. This bill strikes down a federal rule that shielded national banks and federal savings associations from state laws, so those lenders would have to pay interest on customers' escrow accounts under each state's rules.
Where it stands: The joint resolution was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on July 29, 2026. It is currently in the committee stage, where the chair controls the scheduling of any markup.

S 1715 US Senate Last action
May 12, 2025 BurdenLong shot

Protecting Privacy in Purchases Act

Bill Hagerty (Republican) · Sponsor of record · Official record ↗

What it does: This proposal would prohibit payment card networks and transaction processors from assigning merchant category codes that identify firearms retailers differently than general merchandise or sporting goods stores. It would grant the Attorney General authority to investigate violations, issue remediation orders, and seek court injunctions against noncompliant entities while preempting state and local laws on this specific issue. This bill prohibits payment card networks and transaction processors from assigning merchant category codes that single out firearms retailers, directly restricting banks, credit unions, and lenders that process card transactions, while preempting state laws on the issue.
Where it stands: S1715 was read twice and referred to the Committee on Banking, Housing, and Urban Affairs on May 12, 2025, where it currently sits without scheduled hearings or markups. The measure remains in the committee stage, which is the primary kill point for most legislation.

HR 9900 US House Last action
July 23, 2026 BenefitLong shot

Privately Insured Credit Unions Conversion Modernization Act

Warren Davidson (Republican) · Sponsor of record · Official record ↗

What it does: This bill would change the voting requirements for privately insured credit unions to convert to another entity by removing the minimum participation threshold and extending the notice period to at least 90 days. These amendments aim to modernize the conversion process for these specific financial institutions. This bill directly affects privately insured credit unions by removing the requirement that at least 20 percent of members participate in conversion votes and extending the member notice period to at least 90 days.
Where it stands: HR 9900 was referred to the House Committee on Financial Services on July 23, 2026, where no further action has occurred. The companion measure S 4808 remains in the Senate Committee on Banking, Housing, and Urban Affairs.

HR 9668 US House Last action
July 14, 2026 MixedLong shot

STOP Senior Fraud Act

Sector-wide

Donald G. Davis (Democrat) · Sponsor of record · Official record ↗

What it does: This bill authorizes financial institutions to refuse or delay transactions involving older adults or vulnerable persons if they reasonably suspect financial exploitation, for up to 55 days, or 85 days if an internal review supports the suspicion. It mandates employee training and notification protocols while granting safe harbor liability protection to institutions acting in good faith.
Where it stands: HR9668 is active and was referred to the House Committee on Financial Services on July 14, 2026. The committee chair controls whether a hearing or markup will be scheduled for this measure.

HR 9514 US House Last action
June 29, 2026 BurdenLong shot

Homeownership Eligibility Reform Act

Brandon Gill (Republican) · Sponsor of record · Official record ↗

What it does: This proposal would restrict Federal Housing Administration mortgage insurance and mortgage purchases by Fannie Mae and Freddie Mac to borrowers who are United States citizens. Lenders would be barred from selling non-citizen borrower mortgages to these government-sponsored enterprises for securitization. This bill bars Fannie Mae and Freddie Mac from buying mortgages made to noncitizens and restricts FHA insurance to citizen borrowers, shrinking the loan volume mortgage lenders can originate and sell into securitization.
Where it stands: HR 9514 was referred to the House Committee on Financial Services on June 29, 2026, with no upcoming meetings scheduled in the available data.

HR 3234 US House Last action
May 21, 2026 BenefitLong shot

Keeping Deposits Local Act

Tom Emmer (Republican) · Sponsor of record · Official record ↗

What it does: The bill would increase the percentage of reciprocal deposits that banks can hold without those funds being classified as brokered deposits, with higher percentages allowed for smaller institutions. It also would mandate a study on the risks and usage of reciprocal deposits and reduce a Federal Reserve discretionary fund by $28 million starting in 2036. This bill lets smaller and mid-sized banks and credit unions hold more reciprocal deposits without classifying them as brokered deposits, easing regulatory limits so they can attract and keep more local deposits, and it requires a federal study of that practice.
Where it stands: HR 3234 passed the House on May 20, 2026, and was received in the Senate and referred to the Committee on Banking, Housing, and Urban Affairs on May 21, 2026. The measure is currently pending in the Senate, awaiting action by the committee to which it was sent.

HR 9471 US House Last action
July 17, 2026 MixedLong shot

SAFE Banking Act of 2026

David P. Joyce (Republican) · Sponsor of record · Official record ↗

What it does: This bill prohibits federal banking regulators from penalizing banks and credit unions for providing financial services to state-legal marijuana and hemp businesses, while granting immunity from federal liability for these institutions and insurers. It also requires regulators to issue updated guidance on suspicious activity reporting and account termination procedures within specific deadlines. This bill protects banks, credit unions, and nondepository lenders from federal penalties, liability, and forfeiture for serving state-legal marijuana businesses, while requiring them to follow new guidance on suspicious activity reports and account terminations.
Where it stands: The bill is currently with the Subcommittee on Economic Opportunity following referral on July 17, 2026, after initial referrals to the House Committee on Financial Services, the House Committee on the Judiciary, and the House Committee on Veterans' Affairs on June 25, 2026. As a multiple referral with no established primary panel, each committee chair acts as a gatekeeper.

HR 9490 US House Last action
June 25, 2026 BurdenLong shot

Bank Failure Accountability Act

Rashida Tlaib (Democrat) · Sponsor of record · Official record ↗

What it does: Financial institutions with more than $1 billion in assets must defer at least 50 percent of senior employees' compensation exceeding seven times the median employee's pay into a reserve fund. This fund pays civil or criminal fines and reimburses depositors in the event of failure, with any remaining balance returned to employees after holding periods of two to eight years depending on the institution's asset size. This bill requires banks, credit unions, Fannie Mae, and Freddie Mac with over $1 billion in assets to defer at least half of senior employees' pay above seven times median worker pay into a fund that covers fines and depositor losses if the institution fails.
Where it stands: The Bank Failure Accountability Act is before the House Committee on Financial Services, having been referred there on June 25, 2026. The committee chair controls whether a hearing or markup is scheduled.

HR 9459 US House Last action
June 25, 2026 BenefitLong shot

Home Affordability Through Mortgage Simplification Act

Scott Fitzgerald (Republican) · Sponsor of record · Official record ↗

What it does: The bill would ease mortgage disclosure rules by allowing creditors to avoid penalties for small cost variances, resetting waiting periods only for significant changes, and granting immunity for errors made in good-faith reliance on federal guidance. It also expands the acceptable error margin for annual percentage rates and permits consumers to waive certain disclosure waiting periods. This bill directly reduces legal and financial risk for mortgage lenders and creditors by granting safe harbors for small closing cost variances, expanding APR tolerance, shielding them from settlement agent errors, and delaying civil penalties until a cure period expires.
Where it stands: HR9459 was referred to the House Committee on Financial Services on June 25, 2026, and no upcoming meetings are currently scheduled.

HR 9469 US House Last action
June 25, 2026 MixedLong shot

Outcomes-Based Financing (OBF) for Students Act

Erin Houchin (Republican) · Sponsor of record · Official record ↗

What it does: This bill establishes a federal legal framework for outcomes-based financing products by defining them, setting consumer protections like income-based payment caps, and clarifying their tax treatment. It also mandates specific disclosure and advertising rules for these financial tools while preempting certain state regulations to create a uniform national standard. This bill directly regulates nondepository credit intermediaries offering outcomes-based financing by imposing disclosure, advertising, income-cap, and no-acceleration rules while preempting state usury and ability-to-repay laws and granting tax and credit-system benefits.
Where it stands: HR 9469 was referred on June 25, 2026, to the Committee on Financial Services, and in addition to the Committees on Ways and Means, Education and Workforce, and the Judiciary. No upcoming meetings are scheduled for the measure.

S 4942 US Senate Last action
June 24, 2026 MixedLong shot

SAFE Banking Act of 2026

Jeff Merkley (Democrat) · Sponsor of record · Official record ↗

What it does: This proposal would prohibit federal banking regulators from penalizing banks that provide financial services to state-legal marijuana and hemp businesses, while shielding those banks from liability for money laundering charges related to such accounts. The bill also requires federal mortgage agencies to count income from state-legal marijuana businesses when determining eligibility for home loans. This bill lets banks and credit unions serve state-legal marijuana and hemp businesses without federal penalties, liability, account closure orders, or lost deposit insurance, while lenders and mortgage servicers gain protection for mortgages using that income.
Where it stands: S4942 is pending in the Senate Committee on Banking, Housing, and Urban Affairs after being read twice and referred on June 24, 2026. The committee chair controls the scheduling of a markup, which is the standard route for the measure to advance.

S 4943 US Senate Last action
June 24, 2026 MixedLong shot

Outcomes-Based Financing (OBF) for Students Act

Todd Young (Republican) · Sponsor of record · Official record ↗

What it does: The bill establishes a federal framework for outcomes-based financing products, providing tax exclusions for discharged debt and allowing payments to count as interest, while mandating strict consumer protections like income thresholds and payment caps. It also requires the Consumer Financial Protection Bureau to issue disclosure regulations and preempts specific state laws regarding usury limits, ability-to-repay requirements, and payment terms for these products. This bill lets nondepository lenders who offer outcomes-based student financing exclude certain payments from taxable income and escape state usury and ability-to-repay laws, while requiring them to make new disclosures, cap payments at 20 percent of income, and forgo accelerating debt or taking wage assignments.
Where it stands: S4943 is currently in the Senate Committee on Finance, having been read twice and referred there on June 24, 2026. The bill awaits committee action, with no future meetings scheduled in the available calendar data.

HR 9383 US House Last action
June 22, 2026 BenefitLong shot

Small Business and Consumer Credit Act of 2026

Mike Carey (Republican) · Sponsor of record · Official record ↗

What it does: This bill allows specified financial institutions to elect a 20-year net operating loss carryforward for tax years beginning after 2026. It also permits carrybacks of one year for 2028 losses and two years for losses in 2029 and later. This bill lets specified financial institutions, including banks and bank holding companies, carry net operating losses forward for 20 years and carry losses back one to two years to recover taxes paid in earlier profitable years.
Where it stands: The bill was referred to the House Committee on Ways and Means on June 22, 2026, and no upcoming meetings are scheduled.

HR 7056 US House Last action
March 19, 2026 BenefitLong shot

Community Bank Regulatory Tailoring Act

Andy Barr (Republican) · Sponsor of record · Official record ↗

What it does: This bill raises various asset-size thresholds in banking laws to exempt more small and mid-sized institutions from specific regulatory requirements. It also mandates that the Federal Reserve periodically adjust these dollar amounts every five years based on the growth of the United States Gross Domestic Product. This bill raises asset-size thresholds across banking laws so community banks, savings institutions, and credit unions below the new dollar limits are exempt from rules like mortgage disclosure, interlock restrictions, and certain capital requirements.
Where it stands: HR 7056 was reported by the House Committee on Financial Services on March 19, 2026, and placed on the Union Calendar, Calendar No. 480. This placement establishes eligibility for floor consideration but does not guarantee scheduling.

HR 9379 US House Last action
July 6, 2026 BurdenLong shot

Affordable Homes for Veterans Act of 2026

Eugene Simon Vindman (Democrat) · Sponsor of record · Official record ↗

What it does: This act requires loan servicers to process applications for assuming Department of Veterans Affairs guaranteed home loans within 45 calendar days and prohibits them from discouraging borrowers by suggesting longer timelines. The Department of Veterans Affairs Inspector General must assess servicer compliance, identify systemic barriers, and publish anonymized data on processing times and denial rates. This bill requires loan servicers of VA-guaranteed mortgages, including banks and lenders holding those loans, to decide assumption applications within 45 days, bans discouraging borrowers about timelines, and exposes their processing records to Inspector General review.
Where it stands: HR9379 was referred to the Subcommittee on Economic Opportunity on July 6, 2026, following its initial referral to the House Committee on Veterans' Affairs on June 18, 2026. The bill is currently in the committee stage, where the subcommittee chair determines whether to schedule a hearing or markup.

S 4743 US Senate Last action
June 10, 2026 BurdenLong shot

AI Bubble Transparency Act

Sector-wide

Elizabeth Warren (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would require the Office of Financial Research to order all financial companies to report detailed data on their loans and equity investments tied to artificial intelligence companies, including chip makers, data centers, hyperscalers, neocloud providers, model developers, and data infrastructure, with the Director able to exempt small banks with less than $10 billion in assets or firms with less than $500 million in such exposure, and with authority to compel data from any firm that fails to comply. Within a year, the Financial Stability Oversight Council would have to publish a report on the risks this AI financing poses to the financial system and issue policy recommendations to regulators and Congress, while the collected data goes unredacted to the relevant congressional committees.
Where it stands: On June 10, 2026, S. 4743 was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs. It is now in committee, where the chair decides whether anything happens and committees need not act on referred bills.

HR 8777 US House Last action
May 13, 2026 BurdenLong shot

GUIDANCE Act of 2026

Sector-wide

Maxine Waters (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would void the Consumer Financial Protection Bureau's 2025 rule that withdrew a long list of the agency's guidance documents, circulars, and bulletins, putting that consumer protection guidance back in force. The restored guidance covers topics such as debt collection and medical debt reporting, overdraft opt-in practices, lending discrimination, credit reporting procedures, returned deposit fees, remittance transfer marketing, and protections for active-duty servicemembers.
Where it stands: HR8777 was referred to the House Committee on Financial Services on May 13, 2026 and has had no further action; no upcoming committee meetings are currently scheduled.

HJRES 180 US House Last action
May 11, 2026 BurdenLong shot

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Statement of Policy Regarding Prohibition on Abusive Acts or Practices".

Sector-wide

Sylvia R. Garcia (Democrat) · Sponsor of record · Official record ↗

What it does: The measure would nullify, through the congressional review process, the Consumer Financial Protection Bureau's rule that withdrew its 2023 policy on prohibiting abusive acts or practices, meaning that withdrawal would have no force or effect. The practical result would be that the bureau's earlier policy spelling out what counts as abusive conduct in consumer financial products and services would stay in place rather than being rolled back.
Where it stands: H.J.Res. 180 was referred to the House Committee on Financial Services on May 11, 2026, where it awaits the committee chair's decision on whether to notice a hearing or a markup. Its companion, S.J.Res. 147, has not been reported and has not passed a chamber; on May 13, 2026 the Senate rejected a motion to proceed to its consideration by voice vote.

HJRES 178 US House Last action
May 7, 2026 BurdenLong shot

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Examinations for Risks to Active-Duty Servicemembers and Their Covered Dependents".

Sector-wide

Vicente Gonzalez (Democrat) · Sponsor of record · Official record ↗

What it does: This resolution disapproves the Consumer Financial Protection Bureau's rule that withdrew oversight requirements for active-duty servicemembers. As a result, the original requirement for financial institutions to be examined for risks to active-duty servicemembers and their covered dependents remains in effect.
Where it stands: The joint resolution was referred to the House Committee on Financial Services on May 7, 2026, and no upcoming meetings are scheduled in the available calendar data. The companion Senate joint resolution saw its motion to proceed rejected on May 13, 2026, by a vote of 48 to 52.

HR 6553 US House Last action
February 25, 2026 BenefitLong shot

TIER Act of 2025

Sector-wide

Andy Barr (Republican) · Sponsor of record · Official record ↗

What it does: The bill would raise the asset size thresholds that determine which large banks and financial companies face stricter Federal Reserve oversight under federal banking law, for example lifting the $100 billion trigger to $150 billion and the $250 billion trigger to $370 billion. It would also direct banking regulators to review and adjust regulatory asset thresholds every five years starting with a review by June 30, 2026, and to raise the statutory thresholds every five years starting by April 1, 2031, in step with growth in current-dollar U.S. gross domestic product, with the Fed publishing the recalculated amounts and increases taking effect on the following January 1. This bill raises the asset size thresholds that trigger enhanced regulatory requirements for banks and holding companies, exempting mid-sized banks and lenders from stricter prudential standards, capital requirements, and resolution planning, and automatically adjusts thresholds every five years.
Where it stands: The House Committee on Financial Services took the bill up at a markup on December 16, 2025 and ordered it reported on December 17, 2025, and the written report was filed on February 25, 2026, when the bill was placed on the Union Calendar as Calendar No. 457. Calendar placement conveys eligibility for floor action only; it schedules nothing, and majority leadership decides what comes to the floor and when.

HR 5775 US House Last action
June 30, 2026 BenefitLong shot

FCRA Liability Harmonization Act

Sector-wide

Barry Loudermilk (Republican) · Sponsor of record · Official record ↗

What it does: The bill would amend the Fair Credit Reporting Act to eliminate statutory damages for willful violations, bar any minimum amount for each class member, and cap the total recovery a class can obtain, excluding attorney's fees, at the lesser of $500,000 or 1 percent of the company's net worth. It would also cap the attorney's fees and costs a company can be required to pay in both willful and negligent cases at the lower of $100,000 or 40 percent of actual damages.
Where it stands: HR 5775 was referred on October 17, 2025 to the Committee on Financial Services and the Committee on the Judiciary, received a hearing on April 16, 2026, and at a June 30, 2026 markup the Financial Services Committee ordered the bill reported as amended by a vote of 27 to 23; no written report has been filed and no calendar placement exists on the record.

HJRES 161 US House Last action
April 30, 2026 BurdenLong shot

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Bulletin 2012-04: Lending discrimination (April 18, 2012)".

Sector-wide

Joyce Beatty (Democrat) · Sponsor of record · Official record ↗

What it does: This resolution would nullify a federal rule that withdrew a previous guidance document on lending discrimination. Consequently, the original guidance regarding lending discrimination would remain in effect rather than being revoked.
Where it stands: HJRES161 was referred to the House Committee on Financial Services on April 30, 2026, where the chair controls whether a hearing or markup occurs. No meetings are currently scheduled for this measure.

HR 8398 US House Last action
April 21, 2026 MixedLong shot

Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act

Sector-wide

Bill Huizenga (Republican) · Sponsor of record · Official record ↗

What it does: The bill amends the Gramm-Leach-Bliley Act to require data minimization, opt-in consent for sensitive information, and consumer rights to access and delete data, while preempting conflicting state privacy laws. It also mandates regulatory consideration for small financial institutions and establishes new compliance standards for financial data aggregators.
Where it stands: HR8398 was referred to the House Committee on Financial Services on April 21, 2026, and remains at the referred stage with no upcoming meetings scheduled. The committee chair controls whether a hearing or markup is scheduled, while leadership retains the ability to bypass committee action through suspension, a special rule, or discharge.

May also reach

Measures that reach Banking & Lending indirectly

Through a product these businesses make, a customer they serve, a competitor, or a study about them. Read these as possibilities, not duties.

S 4804 US Senate Last action
June 17, 2026 May reachLong shot

Manufactured Housing Lending Act

Jeff Merkley (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would require the Federal Housing Finance Agency to direct Fannie Mae and Freddie Mac to each set up a pilot program for buying or sharing risk on personal property (chattel) loans for manufactured homes, with purchases beginning within a year of each program's launch. The pilots would have to apply standard consumer mortgage lending and servicing protections, limit eligibility to homes in nonprofit, government, or resident-owned communities where the lease outlasts the loan or the resident holds a perpetual right to the site, and let the two companies earn a lower return than comparable mortgage lending. This bill directs Fannie Mae and Freddie Mac to buy or share risk on manufactured home loans classified as personal property, giving banks, credit unions, and lenders a new secondary market, but only for homes in nonprofit, government, or resident-owned communities.
Where it stands: S4804, the Manufactured Housing Lending Act, was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on June 17, 2026. It is now in the referred stage, where the committee's chair decides whether anything happens at all, with no meetings scheduled in the available calendar data.

HJRES 177 US House Last action
May 7, 2026 May reachLong shot

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Fair Credit Reporting; Name-Only Matching Procedures".

Bill Foster (Democrat) · Sponsor of record · Official record ↗

What it does: If enacted, this joint resolution would use the fast-track disapproval process to void the Consumer Financial Protection Bureau's 2025 rule that withdrew its own earlier rule on Fair Credit Reporting name-only matching procedures, meaning that earlier name-only matching rule would remain in force instead of being repealed. This bill keeps the stricter name-only matching rule for credit reporting in effect, so banks, credit unions, and lenders pulling credit reports must continue relying on reports built under those tighter procedures rather than looser ones.
Where it stands: HJRES177 was referred to the House Committee on Financial Services on May 7, 2026 and sits at the earliest committee stage, where the committee chair decides whether a hearing or a markup is ever noticed. No meetings are scheduled in our calendar data, so the resolution currently has no committee action pending on any stated date.

HR 6551 US House Last action
February 25, 2026 May reachLong shot

New BANK Act of 2025

Barry Loudermilk (Republican) · Sponsor of record · Official record ↗

What it does: The bill requires federal banking regulators to publish annual reports detailing the number, processing times, and outcomes of applications for new bank charters and deposit insurance. These reports must include statistics on approvals, denials, and withdrawals for national banks, credit unions, and holding companies across both federal and state jurisdictions. This bill requires federal banking regulators to publish annual reports on new bank charter and deposit insurance applications, giving banks and credit unions clearer timelines and denial reasons when applying and costing regulators to compile them.
Where it stands: The New BANK Act of 2025 was reported by the House Committee on Financial Services on February 25, 2026, and placed on the Union Calendar as No. 455. This status indicates the measure is eligible for floor consideration but does not guarantee that leadership will schedule it for a vote.

HJRES 165 US House Last action
April 30, 2026 May reachLong shot

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports".

Brittany Pettersen (Democrat) · Sponsor of record · Official record ↗

What it does: This joint resolution would nullify a federal rule that had withdrawn regulations governing permissible purposes for furnishing, using, and obtaining consumer reports. By disapproving that withdrawal, the measure would keep the original Fair Credit Reporting Act rules regarding consumer report usage in effect. This bill keeps the existing Fair Credit Reporting Act rules on permissible uses of consumer reports in effect, giving banks, credit unions, and lenders clear, unchanged standards for pulling credit reports when underwriting loans.
Where it stands: The joint resolution is referred to the House Committee on Financial Services, where the chair controls whether a hearing or markup is scheduled. The companion Senate resolution failed a motion to proceed on May 13, 2026, and no upcoming meetings are scheduled for this House measure.

HJRES 166 US House Last action
April 30, 2026 May reachLong shot

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Bulletin 2015-07 re: in-person collection of consumer debt".

Brittany Pettersen (Democrat) · Sponsor of record · Official record ↗

What it does: This joint resolution disapproves a Bureau of Consumer Financial Protection rule that had withdrawn a bulletin on in-person debt collection. The disapproved withdrawal rule would lose all force and effect, leaving the original bulletin in place. This bill blocks the CFPB's withdrawal of Bulletin 2015-07 on in-person consumer debt collection, so banks, credit unions, and lenders that collect consumer debts must keep following that original bulletin's rules.
Where it stands: The joint resolution is currently in the House Committee on Financial Services, having been referred there on April 30, 2026. The companion Senate measure remains referred to the Committee on Banking, Housing, and Urban Affairs without a reported vote.

HR 2987 US House Last action
June 9, 2025 May reachLong shot

CEASE Act of 2025

Robert P. Bresnahan, Jr. (Republican) · Sponsor of record · Official record ↗

What it does: The Small Business Administration would be required to cap the number of authorized for-profit small business lending companies at 16 at any given time. This limit restricts the total volume of participants eligible to make loans under the agency's standard lending programs. This bill caps the number of for-profit small business lending companies authorized to make SBA loans at 16, protecting existing authorized nondepository lenders from new competitors while shutting out any new lending companies seeking entry.
Where it stands: The bill passed the House on June 5, 2025, and was received in the Senate on June 9, 2025, where it is referred to the Committee on Small Business and Entrepreneurship. As a crossover measure, it requires identical Senate passage before proceeding to the President.

HR 3446 US House Last action
September 8, 2025 May reachLong shot

FDIC Board Accountability Act

Bill Huizenga (Republican) · Sponsor of record · Official record ↗

What it does: The bill would restructure the Federal Deposit Insurance Corporation's Board of Directors by requiring four presidentially appointed members with specific qualifications in state supervision and small-bank experience. It also limits board members to two terms or twelve years of service and changes the Consumer Financial Protection Bureau Director's role to a non-voting observer. This bill changes FDIC oversight for community and regional banks by requiring a board member with experience working in or supervising depository institutions with less than $10 billion in assets, giving smaller banks direct representation in supervision decisions.
Where it stands: The FDIC Board Accountability Act was reported by the House Committee on Financial Services on September 8, 2025, and placed on the Union Calendar with number 201 on the same date. This placement establishes eligibility for floor consideration but does not schedule a vote.

HR 1430 US House Last action
February 18, 2025 May reachLong shot

No CBDC Act

Andrew Ogles (Republican) · Sponsor of record · Official record ↗

What it does: The bill would prohibit the Federal Reserve and related agencies from issuing central bank digital currency to individuals or intermediaries. It also bars Federal Reserve banks from holding such digital currencies on their balance sheets or using them for regulatory requirements. This bill bars the Federal Reserve from issuing a central bank digital currency to individuals or intermediaries, leaving retail digital payment services to private banks, credit unions, and lenders rather than a government competitor.
Where it stands: HR1430 is stalled at the committee stage, having been referred to the House Committee on Financial Services on February 18, 2025. The committee chair controls whether a hearing or markup is scheduled, though leadership retains the ability to bypass committee action.

HJRES 51 US House Last action
February 12, 2025 May reachLong shot

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Quality Control Standards for Automated Valuation Models".

Andrew S. Clyde (Republican) · Sponsor of record · Official record ↗

What it does: This resolution nullifies a Consumer Financial Protection Bureau rule that set quality control standards for automated valuation models. The rule would have no force or effect if the resolution is enacted. This bill wipes out a CFPB rule setting quality control standards for automated valuation models, so banks, credit unions, and mortgage lenders are freed from those compliance and oversight costs when using AVMs for valuations.
Where it stands: The joint resolution is currently referred to the House Committee on Financial Services, a stage where the committee chair controls whether any hearings or markups are scheduled. This position places the measure in the committee stage, which is a primary choke point where most House measures die quietly without floor action.

HR 258 US House Last action
January 9, 2025 May reachLong shot

To cancel certain proposed changes to loan level price adjustments by the Federal National Mortgage Association and credit fees charged by the Federal Home Loan Mortgage Corporation.

Stephanie I. Bice (Republican) · Sponsor of record · Official record ↗

What it does: This measure would prohibit the Federal Housing Finance Agency and mortgage enterprises from implementing specific 2023 changes to single-family loan pricing adjustments and credit fees. It declares that the announced updates and related lender letters and bulletins have no legal force or effect. This bill blocks FHFA and Fannie Mae and Freddie Mac from carrying out their 2023 loan-level price adjustments and credit fees, sparing mortgage lenders and originators from passing those higher costs into loan pricing.
Where it stands: HR258 is currently referred to the House Committee on Financial Services as of January 9, 2025. The bill is stalled in committee with no meetings scheduled.

HR 10167 US House Last action
October 14, 2026 May reachGood chance of law

Common Cents Act

Lisa C. McClain (Republican) · Sponsor of record · Official record ↗

What it does: The bill would direct the Treasury Department to stop making pennies for circulation (though pennies could still be sold to collectors) and would let businesses and financial institutions round cash payments to the nearest 5 cents when exact change cannot be provided, with rules requiring rounding in customers' or employees' favor in certain cases. It would also allow a cheaper zinc-centered nickel coin, shield cash rounders from federal, state, and tribal penalties except for wage and leave laws, and require the Federal Reserve to report on plans for handling penny deposits and give Congress advance notice before phasing out any circulating coin. This bill lets banks and other lenders round cash transactions to the nearest 5 cents when exact change is unavailable and shields them from federal, state, and tribal penalties for doing so, cutting their penny handling costs.
Where it stands: The Common Cents Act has cleared Congress: the House passed it under suspension of the rules by voice vote on September 14, 2026, and the Senate passed the identical text without amendment by unanimous consent on September 28, 2026. The bill is no longer pending in either chamber; what remains is enrollment, signature by the Speaker and the Senate's presiding officer, and presentment to the President, none of which the record shows yet.

S 5465 US Senate Last action
September 23, 2026 May reachLong shot

Bringing the Discount Window into the 21st Century Act

Catherine Cortez Masto (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would require the Federal Reserve's Board of Governors to review its discount window lending programs within about eight months, examining whether the programs provide liquidity effectively, whether technology, cybersecurity, operating hours, and communications are adequate, and how the window interacts with other liquidity providers such as the Federal Home Loan Banks, then produce a written plan to fix any identified deficiencies. The Board would report its findings and plan to Congress within a year, testify about the report, file annual progress reports with oversight from its Inspector General, and the new review requirements would lapse once the Board certifies the remediation plan is fully implemented. This bill requires the Federal Reserve to review and fix problems with discount window lending, aiming to give banks, credit unions, and other depository institutions faster, more reliable, and less stigmatized access to emergency liquidity.
Where it stands: S5465 was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on September 23, 2026, the routine first stage for Senate bills. Its companion, HR3390, passed the House but is not enacted and was itself referred to the same committee when received in the Senate on February 11, 2026.

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