H.R.6955

H. R. 6955

January 7, 2026

Mr. Hill of Arkansas (for himself, Mr. Barr, Mr. Huizenga, Mr. Lucas, Mr. Sessions, Mrs. Wagner, Mr. Williams of Texas, Mr. Emmer, Mr. Loudermilk, Mr. Davidson, Mr. Rose, Mr. Steil, Mr. Timmons, Mr. Stutzman, Mr. Norman, Mr. Meuser, Mrs. Kim, Mr. Donalds, Mr. Garbarino, Mr. Fitzgerald, Mr. Flood, Mr. Lawler, Ms. De La Cruz, Mr. Ogles, Mr. Nunn of Iowa, Mrs. McClain, Ms. Salazar, Mr. Downing, Mr. Haridopolos, and Mr. Moore of North Carolina) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To make improvements to the Federal banking laws, and for other purposes.

1. Short title; table of contents; TITLE I—NEW BANK FORMATION AND LOCAL COMMUNITY ACCESS; 101. Promoting New Bank Formation; 102. New Bank Application Numbers Knowledge; 103. Bank Failure Prevention; 104. Rural Depositories Revitalization Study; TITLE II—TAILORING BANK REGULATION; 201. Taking Account of Institutions with Low Operation Risk; 202. Small Bank Holding Company Relief; 203. Community Bank Leverage Improvement and Flexibility for Transparency; 204. Tailoring and Indexing Enhanced Regulations; TITLE III—FAIR AND TRANSPARENT BANK SUPERVISION; 301. Halting Uncertain Methods and Practices in Supervision; 302. Fair Audits and Inspections for Regulators’ Exams; 303. Supervisory Modifications for Appropriate Risk-based Testing; 304. Tailored Regulatory Updates for Supervisory Testing; 305. Stress Testing Accountability and Transparency; 306. Community Bank Representation; 307. Financial Integrity and Regulation Management; TITLE IV—REGULATORY ACCOUNTABILITY AND TRANSPARENCY; 401. FDIC Board Accountability; 402. Stop Agency Fiat Enforcement of Guidance; 403. Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow; 404. American Financial Institution Regulatory Sovereignty and Transparency; TITLE V—STRENGTHENING LOCAL BANK FUNDING; 501. Bringing the Discount Window into the 21st Century; 502. Keeping Deposits Local; 503. Community Bank Deposit Access; TITLE VI—PROMOTING BANK COMPETITION AND MERGER CLARITY; 601. Bank Competition Modernization; 602. Merger Agreement Approvals Clarity and Predictability; 603. Merger Process Review; TITLE VII—STRENGTHENING TRANSPARENCY AND INVOLVEMENT IN BANK RESOLUTIONS; 701. Least Cost Exception; 702. Enhancing Bank Resolution Participation; TITLE VIII—FACILITATING INNOVATION AND BANK PARTNERSHIPS; 801. Merchant Banking Modernization; 802. Bank-Fintech Partnership Enhancement