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US Congress · H.R. 3395 · Passed the House

Middle Market IPO Cost Act

Introduced
Moved
Reached a final decision
Introduced 2025-05-14
Derived from the official record below.

Officially: “Middle Market IPO Cost Act Read the full text

Finance and Financial Sector

What it does

Middle Market IPO Cost Act This bill requires the Government Accountability Office to study and report on the costs encountered by small- and medium-sized companies when undertaking initial public offerings.
Summary by the Congressional Research Service, from the official record. Plain-language version below. Not legal advice.

Read it in plain language

AI plain language2 sections
Written by AI from the complete official bill text and independently fact-checked against it. Not legal advice.
1Short title

This section would let the Act be called the Middle Market IPO Cost Act.

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Official text, verbatim from the record

1. Short title This Act may be cited as the Middle Market IPO Cost Act .

2Study on IPO fees

This section would require the Comptroller General of the United States, working with the Securities and Exchange Commission and the Financial Industry Regulatory Authority, to study the costs that small- and medium-sized companies face in carrying out initial public offerings (IPOs). The study would have to consider the direct and indirect costs of an IPO, including fees paid to accountants, underwriters, and other outside advisors for the IPO; the cost of complying with federal and state securities laws at the time of the IPO; and any other IPO-related costs the Comptroller General decides to include. The study would also have to compare and analyze IPO costs against the costs of getting financing or liquidity through other means; consider how these costs affect the ability to raise capital; and analyze how these costs affect whether retail investors can get access to the public securities of small- and medium-sized companies. In addition, the study would have to analyze trends in IPOs over whatever time period the Comptroller General decides is appropriate for examining IPO pricing practices, looking at the number of IPOs; how costs for IPOs have changed over time for underwriters, investment advisory firms, and other professionals providing IPO-related services; the number of brokers and dealers active in underwriting IPOs; the different services that underwriters and related persons provide before and after a small- or medium-sized company's IPO and the factors that affect IPO costs; changes in the cost and availability of investment research for small- and medium-sized companies; and the impact of litigation and its costs on being a public company. Not later than 360 days after this Act is enacted, the Comptroller General would have to issue a report to Congress containing all findings and determinations from the study and any administrative or legislative recommendations the Comptroller General may have.

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Official text, verbatim from the record

2. Study on IPO fees (a) Study The Comptroller General of the United States, in consultation with the Securities and Exchange Commission and the Financial Industry Regulatory Authority, shall carry out a study of the costs associated with small- and medium-sized companies to undertake initial public offerings ( IPOs ). In carrying out such study, the Comptroller General shall— (1) consider the direct and indirect costs of an IPO, including— (A) fees of accountants, underwriters, and any other outside advisors with respect to the IPO; (B) compliance with Federal and State securities laws at the time of the IPO; and (C) such other IPO-related costs as the Comptroller General may consider; (2) compare and analyze the costs of an IPO with the costs of obtaining alternative sources of financing and of liquidity; (3) consider the impact of such costs on capital formation; (4) analyze the impact of these costs on the availability of public securities of small- and medium-sized companies to retail investors; and (5) analyze trends in IPOs over a time period the Comptroller General determines is appropriate to analyze IPO pricing practices, considering— (A) the number of IPOs; (B) how costs for IPOs have evolved over time for underwriters, investment advisory firms, and other professions for services in connection with an IPO; (C) the number of brokers and dealers active in underwriting IPOs; (D) the different types of services that underwriters and related persons provide before and after a small- or medium-sized company IPO and the factors impacting IPOs costs; (E) changes in the costs and availability of investment research for small- and medium-sized companies; and (F) the impacts of litigation and its costs on being a public company. (b) Report Not later than the end of the 360-day period beginning on the date of the enactment of this Act, the Comptroller General shall issue a report to the Congress containing all findings and determinations made in carrying out the study required under subsection (a) and any administrative or legislative recommendations the Comptroller General may have.

AI plain languageRead the whole bill in plain language, 2 sections

Where it is

Introduced · 2025-05-14

In the House.

Passed the House · 2025-07-21
Senate floor vote · next · the next step

Official documents

The on-site text is shown verbatim from the GovInfo publication, captured 2026-07-23. The same version at GovInfo.

The numbers

29%
of bills that passed one chamber became law in the 118th Congress, 2023 to 2024 (n=939)
3
sponsors, out of 218 needed to pass

Who is lobbying on this

AMERICAN SECURITIES ASSOCIATIONvia AMERICAN SECURITIES ASSOCIATION
5 filings
SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATIONvia SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION
5 filings
CHAMBER OF COMMERCE OF THE U.S.A.via CHAMBER OF COMMERCE OF THE U.S.A.
3 filings
SMALL BUSINESS & ENTREPRENEURSHIP COUNCIL (SBE COUNCIL)via SMALL BUSINESS & ENTREPRENEURSHIP COUNCIL (SBE COUNCIL)
2 filings
AMERICANS FOR FINANCIAL REFORMvia AMERICANS FOR FINANCIAL REFORM
1 filing
From 16 filings in federal lobbying disclosures (LDA), via lda.gov, naming this bill (2025 to 2026). Filings are self-reported by lobbying firms and show who is paid to influence this bill. They do not say which side, or whether it worked.
Every fact on this page links to its source, starting with the official bill record. Last action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (2025-07-22).