Failing Bank Acquisition Fairness Act

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 6556 Reported in House (RH)] <DOC> Union Calendar No. 406 119th CONGRESS 2d Session H. R. 6556 [Report No. 119-475] To prohibit the use of certain concentration limit exceptions with respect to mergers involving a failed bank unless the applicable agency determines such use is necessary to prevent significant economic disruption or significant adverse effects on financial stability, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES December 10, 2025 Mr. Lynch introduced the following bill; which was referred to the Committee on Financial Services February 2, 2026 Additional sponsor: Mr. Gottheimer February 2, 2026 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 December 10, 2025] _______________________________________________________________________ A BILL To prohibit the use of certain concentration limit exceptions with respect to mergers involving a failed bank unless the applicable agency determines such use is necessary to prevent significant economic disruption or significant adverse effects on financial stability, 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 ``Failing Bank Acquisition Fairness Act''. SEC. 2. CONCENTRATION LIMIT EXCEPTIONS ONLY AVAILABLE TO AVOID SERIOUS ADVERSE ECONOMIC OR FINANCIAL EFFECTS. (a) Concentration Limits With Respect to Deposits.-- (1) Federal deposit insurance act.--The Federal Deposit Insurance Act (12 U.S.C. 1811 et seq.) is amended-- (A) in section 18(c)(13)-- (i) by amending subparagraph (B) to read a