Failing Bank Acquisition Fairness Act
Introduced
Moved
Reached a final decision
Introduced 2025-12-10
Derived from the official record below.
Officially: “Failing Bank Acquisition Fairness Act” Read the full text
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). This may be waived if one or more of the institutions involved is in default or in danger of default or if the Federal Deposit Insurance Corporation (FDIC) is providing certain assistance. In addition to these r
Summary by the Congressional Research Service, from the official record. Plain-language AI rewrite coming. Not legal advice.
Where it is
Introduced · 2025-12-10
In the House.
Passed the House · 2026-07-14
Senate floor vote · next
Official documents
The numbers
29%
of bills that passed one chamber became law in the 118th Congress, 2023 to 2024 (n=939)
2
sponsors, out of 218 needed to pass
Who is lobbying on this
INDEPENDENT COMMUNITY BANKERS OF AMERICAvia INDEPENDENT COMMUNITY BANKERS OF AMERICA
2 filingsAMERICANS FOR FINANCIAL REFORMvia AMERICANS FOR FINANCIAL REFORM
1 filingFrom 3 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. (2026-07-15).