Bank Competition Modernization Act

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 5262 Reported in House (RH)] <DOC> Union Calendar No. 317 119th CONGRESS 1st Session H. R. 5262 [Report No. 119-365] To amend the Federal Deposit Insurance Act, the Bank Holding Company Act of 1956, and the Home Owners' Loan Act to require the consideration of certain entities and factors when evaluating proposed acquisitions, mergers, consolidations, assumptions of liabilities, or transfers of assets, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES September 10, 2025 Mr. Fitzgerald introduced the following bill; which was referred to the Committee on Financial Services November 4, 2025 Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed [Strike out all after the enacting clause and insert the part printed in italic] [For text of introduced bill, see copy of bill as introduced on September 10, 2025] _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act, the Bank Holding Company Act of 1956, and the Home Owners' Loan Act to require the consideration of certain entities and factors when evaluating proposed acquisitions, mergers, consolidations, assumptions of liabilities, or transfers of assets, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Bank Competition Modernization Act''. SEC. 2. COMPETITIVE FACTOR CONSIDERATIONS. (a) In General.--Section 18(c) of the Federal Deposit Insurance Act (12 U.S.C. 1828(c)) is amended-- (1) in paragraph (4)(C)-- (A) in clause (i), by striking ``or'' at the end; (B) in clause (ii), by striking the period at the end and inserting ``; or''; and (C) by adding at the end the following: ``(iii)