H.R. 6556 · 119th Congress · 2025–2026
Failing Bank Acquisition Fairness Act
H.R. 6556 in the 119th Congress (2025–2026) has passed the house — introduced on Dec 10, 2025, sponsored by Stephen F. Lynch with 1 co-sponsors.
During the 119th Congress (2025–2026), Donald Trump was president, and Republicans held majorities in both the House and Senate.
- Status
- Passed the House
- Introduced
- Dec 10, 2025
- Co-sponsors
- 1
- Policy area
- Finance and Financial Sector
What it does
Failing Bank Acquisition Fairness Act This bill tightens restrictions on certain waivers granted by federal financial regulators to companies that acquire insured depository institutions. Under current law, a regulator may not approve an acquisition if it would result in an institution exceeding a set concentration limit (i.e., controlling more than 10% of total insured U.S. deposits).
Summary by the nonpartisan Congressional Research Service.
Sponsor
Stephen F. Lynch (D-MA). Co-sponsors: 1 Democrat.
Where it stands
- IntroducedDec 10, 2025
- Passed the HouseJul 14, 2026
- Passed the Senate—
- Sent to the President—
- Became law—
Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Jul 15, 2026)
More bills from Stephen F. Lynch in the 119th Congress
Other Finance and Financial Sector bills in the 119th Congress
- S.J.Res. 18: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection…
- S.J.Res. 28: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection…
- S.J.Res. 13: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- S. 1582: Guiding and Establishing National Innovation for U.S. Stablecoins Act
- H.R. 2808: Homebuyers Privacy Protection Act
- S. 3424: Bankruptcy Administration Improvement Act of 2025
- S. 100: Repealing Big Brother Overreach Act
- S.J.Res. 141: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- H.J.Res. 160: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
- H.J.Res. 161: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
Committees
- Banking, Housing, and Urban Affairs Committee
- Financial Services Committee
More
From GovInfo bill records, Congressional Research Service summaries, Voteview roll calls and lobbying reports.
Cite or embed this page
Capitol Receipts, “H.R. 6556 (119th Congress): Failing Bank Acquisition Fairness Act,” https://www.capitolreceipts.com/bill/119-hr-6556/failing-bank-acquisition-fairness-act (accessed 2026-10-17).