datamatters24/research-document-archive huggingface dataset:
(1) Anti-Communism Week is a solemn remem-
brance of the devastation caused by one of history’s 
most destructive ideologies. 
(2) Across continents and generations, com-
munism has wrought devastation upon nations and 
souls. 
(3) More than 100,000,000 lives have been 
taken by regimes that sought to erase faith, sup-
press freedom, and destroy prosperity earned 
through hard work, violating the God-given rights 
and dignity of those they oppressed. 
(4) Honoring the memory of those lives renews 
the promise of the United States to stand firm 
against communism, to uphold the cause of liberty 
and human worth, and to affirm once more that no 
system of government can ever replace the will and 
conscience of a free people. 
(5) For more than a century, communism has 
brought nothing but ruin, silencing dissent, pun-
ishing beliefs, and demanding that generations kneel 
before the power of the state instead of standing for 
freedom. 
(6) The story of communism is written in blood 
and sorrow, a grim reminder that communism is 
nothing more than another word for servitude. 
VerDate Sep 11 2014 
21:53 Jan 05, 2026
Jkt 069200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H6540.IH
H6540
ssavage on LAPJG3WLY3PROD with BILLS
(7) In the 34 years since the end of the Cold 
War, the world has witnessed both the triumph of 
democracy and the persistence of tyranny in new 
forms. 
(8) New voices now repeat old lies, cloaking 
them in the language of ‘‘social justice’’ and ‘‘demo-
cratic socialism,’’ yet their message remains to give 
up freedom, place trust in the power of the govern-
ment, and trade the promise of prosperity for the 
empty comfort of control. 
(9) The United States rejects communism and 
remains a country founded on the eternal truth that 
liberty and opportunity are the birthrights of every 
individual, and that no ideology, whether foreign or 
domestic, can extinguish them. 
(10) The United States stands in defense of the 
values that define it as a country of free people and 
honors the victims of oppression by keeping their 
cause alive and by ensuring that communism and 
every system that denies the rights to life, liberty, 
and the pursuit of happiness will find their place, 
once and for all, on the ash heap of history. 
(b) DESIGNATION.—Chapter 1 of title 36, United 
States Code, is amended by adding at the end the fol-
lowing new section: 
VerDate Sep 11 2014 
21:53 Jan 05, 2026
Jkt 069200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H6540.IH
H6540
ssavage on LAPJG3WLY3PROD with BILLS
‘‘§ 149. Anti-Communism Week 
‘‘The President is requested to each year designate 
a week as Anti-Communism Week and issue a proclama-
tion calling on the people of the United States to observe 
Anti-Communism Week with appropriate ceremonies and 
activities.’’. 
(c) CLERICAL AMENDMENT.—The table of sections 
for chapter 1 of title 36, United States Code, is amended 
by inserting after the item relating to section 148 the fol-
lowing new item: 
‘‘149. Anti-Communism Week.’’. 
Æ 
VerDate Sep 11 2014 
21:53 Jan 05, 2026
Jkt 069200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6301
E:\BILLS\H6540.IH
H6540
ssavage on LAPJG3WLY3PROD with BILLS
I 
119TH CONGRESS 
1ST SESSION H. R. 6541 
To amend the Securities Act of 1933 with respect to small company capital 
formation, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 9, 2025 
Mr. STUTZMAN introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To amend the Securities Act of 1933 with respect to small 
company capital formation, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Regulation A+ Im-
provement Act of 2025’’. 
SEC. 2. JOBS ACT-RELATED EXEMPTION. 
Section 3(b) of the Securities Act of 1933 (15 U.S.C. 
77c(b)) is amended— 
(1) 
in 
paragraph 
(2)(A), 
by 
striking 
‘‘$50,000,000’’ and inserting ‘‘$150,000,000, ad-
VerDate Sep 11 2014 
21:18 Dec 12, 2025
Jkt 069200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H6541.IH
H6541
ssavage on LAPJG3WLY3PROD with BILLS
justed for inflation by the Commission every 2 years 
to the nearest $10,000 to reflect the change in the 
Consumer Price Index for All Urban Consumers 
published by the Bureau of Labor Statistics’’; and 
(2) in paragraph (5)— 
(A) by striking ‘‘such amount as’’ and in-
serting: ‘‘such amount, in addition to the ad-
justment for inflation provided for under such 
paragraph (2)(A), as’’; and 
(B) by striking ‘‘such amount, it’’ and in-
serting ‘‘such amount, in addition to the adjust-
ment for inflation provided for under such 
paragraph (2)(A), it’’. 
Æ 
VerDate Sep 11 2014 
21:18 Dec 12, 2025
Jkt 069200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6301
E:\BILLS\H6541.IH
H6541
ssavage on LAPJG3WLY3PROD with BILLS
I 
119TH CONGRESS 
1ST SESSION H. R. 6545 
To prohibit health insurers, including Medicaid managed care organizations 
and other private health plans, from imposing arbitrary time caps on 
reimbursement for anesthesia services and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 9, 2025 
Mr. TORRES of New York introduced the following bill; which was referred 
to the Committee on Energy and Commerce 
A BILL 
To prohibit health insurers, including Medicaid managed care 
organizations and other private health plans, from impos-
ing arbitrary time caps on reimbursement for anesthesia 
services and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Anesthesia for All 
Act’’. 
SEC. 2. FINDINGS. 
Congress finds the following: 
VerDate Sep 11 2014 
03:18 Dec 10, 2025
Jkt 069200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H6545.IH
H6545
kjohnson on DSK7ZCZBW3PROD with $$_JOB
(1) Anesthesia care is essential and must be de-
termined by medical necessity, not arbitrary limits. 
(2) Time caps on reimbursement jeopardize pa-
tient safety, impose financial burdens, and interfere 
with informed medical decisions. 
(3) Prohibiting such practices protects patients, 
promotes fairness, and ensures equitable access to 
essential healthcare services. 
SEC. 3. PROHIBITION ON ARBITRARY TIME CAPS FOR AN-
ESTHESIA SERVICES. 
(a) IN GENERAL.—Part A of title XXVII of the Pub-
lic Health Service Act (42 U.S.C. 300gg et seq.) is amend-
ed by adding at the end the following new section: 
‘‘SEC. 2730. PROHIBITION ON ARBITRARY TIME CAPS FOR 
ANESTHESIA SERVICES. 
‘‘(a) PROHIBITION
ON
TIME
LIMITS.—A group 
health plan, and a health insurance issuer offering group 
or individual health insurance coverage, may not impose 
arbitrary time caps on reimbursement for anesthesia serv-
ices provided during medically necessary procedures. 
‘‘(b) REQUIREMENT FOR REIMBURSEMENT BASED 
ON MEDICAL NECESSITY.—Reimbursement for anesthesia 
services shall be determined based on medical necessity as 
assessed by the attending anesthesiologist, certified reg-
istered nurse anesthetist, or licensed anesthesia provider. 
VerDate Sep 11 2014 
03:18 Dec 10, 2025
Jkt 069200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H6545.IH
H6545
kjohnson on DSK7ZCZBW3PROD with $$_JOB
SUMER FINANCIAL EMPOWERMENT AGEN-
CY’’; 
(E) in section 1411(a)(1), by striking ‘‘Bu-
reau’’ and inserting ‘‘Agency’’; and 
(F) in section 1447, by striking ‘‘Director 
of the Bureau’’ each place such term appears 
and inserting ‘‘Director of the Consumer Fi-
nancial Empowerment Agency’’. 
(2) ALTERNATIVE
MORTGAGE
TRANSACTION 
PARITY
ACT
OF
1982.—The Alternative Mortgage 
Transaction Parity Act of 1982 (12 U.S.C. 3801 et 
seq.) is amended— 
(A) by striking ‘‘Bureau of Consumer Fi-
nancial Protection’’ each place such term ap-
pears and inserting ‘‘Consumer Financial Em-
powerment Agency’’; and 
(B) in the subsection heading of subsection 
(d) of section 804 (12 U.S.C. 3803(d)), by 
striking ‘‘BUREAU’’ and inserting ‘‘AGENCY’’. 
(3) ELECTRONIC FUND TRANSFER ACT.—The 
Electronic Fund Transfer Act (15 U.S.C. 1693 et 
seq.) is amended— 
(A) by amending the second paragraph (4) 
(defining the term ‘‘Bureau’’) to read as fol-
lows: 
VerDate Sep 11 2014 
21:10 Feb 19, 2025
Jkt 059200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6201
E:\BILLS\H654.IH
H654
kjohnson on DSK7ZCZBW3PROD with $$_JOB
‘‘(c) DENIAL OF PAYMENT.—A group health plan, 
and a health insurance issuer offering group or individual 
health insurance coverage, are prohibited from denying 
payment for anesthesia services solely because the dura-
tion of care exceeded a pre-set time limit.’’. 
(b) MEDICAID.—Section 1902(a) of the Social Secu-
rity Act (42 U.S.C. 1396a(a)) is amended— 
(1) in paragraph (86), by striking ‘‘and’’ at the 
end; 
(2) in paragraph (87), by striking the period 
and inserting ‘‘; and’’; and 
(3) by inserting after paragraph (87) the fol-
lowing new paragraph: 
‘‘(88) provide that medical assistance consisting 
of anesthesia, including such assistance furnished 
through a managed care organization, is not subject 
to arbitrary time caps on reimbursement when fur-
nished during medically necessary procedures (as de-
termined by the attending anesthesiologist, certified 
registered nurse anesthetist, or other provider of 
such anesthesia) and that payment is not denied for 
such assistance solely because the duration of such 
assistance exceeded a pre-set time limit.’’. 
VerDate Sep 11 2014 
03:18 Dec 10, 2025
Jkt 069200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H6545.IH
H6545
kjohnson on DSK7ZCZBW3PROD with $$_JOB
SEC. 4. OVERSIGHT BY INSPECTOR GENERAL. 
(a) MONITORING AND AUDITS.—The Office of the In-
spector General of the Department of Health and Human 
Services shall— 
(1) conduct periodic audits of health insurers to 
assess compliance with the provisions of this Act; 
and 
(2) investigate allegations of noncompliance 
submitted by patients, providers, or other stake-
holders. 
(b) REPORTING TO CONGRESS.—Not later than one 
year after the date of enactment of this Act, and every 
3 years thereafter, the Inspector General described in sub-
section (a) shall submit a report to Congress that in-
cludes— 
(1) the findings of audits conducted under sub-
section (a); 
(2) the number and nature of violations re-
ferred to the Secretary of Health and Human Serv-
ices; and 
(3) recommendations, if any, for improving 
compliance with the provisions of this Act. 
Æ 
VerDate Sep 11 2014 
03:18 Dec 10, 2025
Jkt 069200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6301
E:\BILLS\H6545.IH
H6545
kjohnson on DSK7ZCZBW3PROD with $$_JOB
nongovernmental organizations for law en-
forcement mental health and wellness. 
‘‘(iv) Evaluate current mental health 
and resiliency programs within the Depart-
ment components. 
‘‘(v) Promote education and training 
related to mental health, resilience, suicide 
prevention, stigma, and mental health re-
sources to— 
‘‘(I) raise mental health aware-
ness; and 
‘‘(II) support to supervisors, cli-
nicians, 
care-givers, 
peer 
support 
members, chaplains, and other indi-
viduals. 
‘‘(vi) Establish a Peer-to-Peer Sup-
port Program Advisory Council, which 
shall— 
‘‘(I) include at least one licensed 
clinician and at least one official with 
requisite and relevant training and ex-
perience in peer support from each 
Department component; 
‘‘(II) evaluate Department com-
ponent peer support programs; 
VerDate Sep 11 2014 
07:10 Dec 11, 2025
Jkt 069200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H6548.IH
H6548
kjohnson on DSK7ZCZBW3PROD with $$_JOB
temically important banking organiza-
tion. 
‘‘(II) GLOBAL SYSTEMICALLY IM-
PORTANT
BANKING
ORGANIZATION.— 
The term ‘global systemically impor-
tant banking organization’ means a 
global systemically important BHC (as 
such term is defined in section 217.402 
of title 12, Code of Federal Regula-
tions, or any successor thereto) and 
any affiliate thereof.’’. 
(b) RULE OF CONSTRUCTION.—Section 13(c)(4)(H) of 
the 
Federal 
Deposit 
Insurance 
Act 
(12 
U.S.C. 
1823(c)(4)(H)) does not apply to the amendments made by 
subsection (a). 
VerDate Sep 11 2014 
22:07 Feb 02, 2026
Jkt 069200
PO 00000
Frm 00008
Fmt 6652
Sfmt 6203
E:\BILLS\H6547.RH
H6547
kjohnson on DSK7ZCZBW3PROD with $$_JOB
VerDate Sep 11 2014 
22:07 Feb 02, 2026
Jkt 069200
PO 00000
Frm 00009
Fmt 6652
Sfmt 6203
E:\BILLS\H6547.RH
H6547
kjohnson on DSK7ZCZBW3PROD with $$_JOB
Union Calendar No. 405 
119TH CONGRESS 
2D SESSION 
H. R. 6547 
[Report No. 119–474] 
A BILL 
To amend the Federal Deposit Insurance Act to 
provide an exception to the least-cost resolution 
requirement, and for other purposes. 
FEBRUARY 2, 2026 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
VerDate Sep 11 2014 
22:07 Feb 02, 2026
Jkt 069200
PO 00000
Frm 00010
Fmt 6651
Sfmt 6651
E:\BILLS\H6547.RH
H6547
kjohnson on DSK7ZCZBW3PROD with $$_JOB
‘‘(4) the term ‘Agency’ means the Consumer Fi-
nancial Empowerment Agency;’’; 
(B) in section 916(d)(1), by striking ‘‘Bu-
reau of Consumer Financial Protection’’ and in-
serting ‘‘Consumer Financial Empowerment 
Agency’’; and 
(C) by striking ‘‘Bureau’’ each place that 
term appears in heading or text and inserting 
‘‘Agency’’. 
(4) EQUAL
CREDIT
OPPORTUNITY
ACT.—The 
Equal Credit Opportunity Act (15 U.S.C. 1691 et 
seq.) is amended— 
(A) in section 702 (15 U.S.C. 1691a), by 
amending subsection (c) to read as follows: 
‘‘(c) The term ‘Agency’ means the Consumer Finan-
cial Empowerment Agency.’’; and 
(B) by striking ‘‘Bureau’’ each place that 
term appears in heading or text and inserting 
‘‘Agency’’. 
(5) EXPEDITED
FUNDS
AVAILABILITY
ACT.— 
The Expedited Funds Availability Act (12 U.S.C. 
4001 et seq.) is amended— 
(A) by striking ‘‘Bureau of Consumer Fi-
nancial Protection’’ each place such term ap-
VerDate Sep 11 2014 
21:10 Feb 19, 2025
Jkt 059200
PO 00000
Frm 00006
Fmt 6652
Sfmt 6201
E:\BILLS\H654.IH
H654
kjohnson on DSK7ZCZBW3PROD with $$_JOB
‘‘(c) 
PURCHASE
ORDERS
FOR
SURGICAL
IM-
PLANTS.—The Secretary shall procure all surgical im-
plants used in a medical procedure through— 
‘‘(1) a firm-fixed price single purchase order 
submitted and processed through the Prosthetic and 
Sensory Aids Service of the Department; 
‘‘(2) in accordance with the Federal Acquisition 
Regulation; and 
‘‘(3) a process that— 
‘‘(A) eliminates duplicative billing; and 
‘‘(B) allows the Secretary to correct errors 
in real time. 
‘‘(d) DEFINITIONS.—In this section: 
‘‘(1) The term ‘Federal Acquisition Regulation’ 
means the Federal Acquisition Regulation issued 
pursuant to section 1303(a)(1) of title 41. 
‘‘(2) The term ‘firm-fixed price’ has the mean-
ing given such term in the Federal Acquisition Reg-
ulation. 
‘‘(3) The term ‘prosthetic appliance’ includes 
any service or product required in the fitting, sup-
plying, training, or use of a prosthetic appliance. 
‘‘(4) The term ‘surgical implant’ includes any 
item used in a surgery regarding a surgical implant, 
VerDate Sep 11 2014 
21:42 Dec 23, 2025
Jkt 069200
PO 00000
Frm 00015
Fmt 6652
Sfmt 6201
E:\BILLS\H6549.IH
H6549
kjohnson on DSK7ZCZBW3PROD with $$_JOB
including an implantable device, a screw, guidewire, 
or surgical tool.’’. 
(b) IMPLEMENTATION.—The Secretary of Veterans 
Affairs shall implement— 
(1) subsection (c) of such section, as added by 
this section, not later than one year after the date 
of the enactment of this Act; and 
(2) subsection (b) of such section, as added by 
this section, not later than three years after the date 
of the enactment of this Act. Until the Secretary im-
plements such subsection, the Secretary shall accept 
a proposed revision described in such subsection dur-
ing at least two periods, prescribed by the Secretary, 
per year. 
Æ 
VerDate Sep 11 2014 
21:42 Dec 23, 2025
Jkt 069200
PO 00000
Frm 00016
Fmt 6652
Sfmt 6301
E:\BILLS\H6549.IH
H6549
kjohnson on DSK7ZCZBW3PROD with $$_JOB
uct of the United States increases (a ‘covered 
year’), the Board shall adjust each dollar figure 
described in the second undesignated paragraph 
of this section, paragraph (12)(B) of this sec-
tion, and section 1004(a)(3) of the Federal Fi-
nancial Institutions Examination Council Act of 
1978 by a percentage equal to the percentage 
increase (if any) between— 
‘‘(i) the nominal gross domestic prod-
uct of the United States for the year, dur-
ing the preceding 5 years, with respect to 
which the nominal gross domestic product 
of the United States was the highest; and 
‘‘(ii) the nominal gross domestic prod-
uct of the United States for the covered 
year. 
‘‘(B) DETERMINATION
OF
GDP.—In this 
paragraph, the Board shall use nominal gross 
domestic product statistics determined by the 
Bureau of Economic Analysis.’’. 
(b) FEDERAL FINANCIAL INSTITUTIONS EXAMINA-
TION COUNCIL ACT OF 1978.—Section 1004(a)(3) of the 
Federal Financial Institutions Examination Council Act of 
1978 (12 U.S.C. 3303(a)(2)) is amended by adding at the 
end the following: ‘‘and such Governor shall consult with 
VerDate Sep 11 2014 
21:46 Dec 12, 2025
Jkt 069200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H6554.IH
H6554
ssavage on LAPJG3WLY3PROD with BILLS
SEC. 2. STUDY ON BANK-FINTECH PARTNERSHIPS. 
(a) STUDY.—The Board of Governors of the Federal 
Reserve System, the Comptroller of the Currency, and the 
Federal Deposit Insurance Corporation shall carry out a 
study of— 
(1) how partnerships between banking organiza-
tions, on the one hand, and financial technology 
companies, on the other hand, can support forma-
tion of new banking organizations and community 
bank health, including the extent to which these 
partnerships reduce time to market for products and 
services, lower compliance burdens, boost customer 
acquisition, improve technological capabilities, and 
provide access to more diverse funding sources; and 
(2) what changes to Federal laws governing 
banking organizations, or to rules or guidance 
adopted by the Board of Governors of the Federal 
Reserve System, the Comptroller of the Currency, or 
the Federal Deposit Insurance Corporation, may 
help promote effective partnerships between banking 
organizations, on the one hand, and financial tech-
nology companies, on the other hand. 
(b) REPORT.—Not later than 6 months after the date 
of enactment of this Act, the Board of Governors of the 
Federal Reserve System, the Comptroller of the Currency, 
and the Federal Deposit Insurance Corporation shall issue 
VerDate Sep 11 2014 
21:20 Dec 12, 2025
Jkt 069200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H6552.IH
H6552
ssavage on LAPJG3WLY3PROD with BILLS
‘‘(1) Each bank holding company or savings 
and loan holding company total consolidated asset 
amount in the second subsection (s) (relating to as-
sessments) of section 11 of the Federal Reserve Act. 
‘‘(2) Each bank holding company total consoli-
dated asset amount in— 
‘‘(A) sections 116(a), 121(a), 163(b), 164, 
165(a)(1), 165(h)(2), 165(j)(1) of this Act; and 
‘‘(B) section 401(f) of the Economic 
Growth, Regulatory Relief, and Consumer Pro-
tection Act. 
‘‘(3) Each financial company total consolidated 
asset amount in section 165(i)(2)(A) of this Act. 
‘‘(c) CURRENCY OF INFORMATION.—The values used 
in the calculation under subsection (a) shall be, as of the 
date of the calculation, the values most recently published 
by the Department of Commerce. 
‘‘(d) ROUNDING.— 
‘‘(1) If any amount equal to or greater than 
$100,000,000,000 determined under subsection (a) 
for any period is not a multiple of $50,000,000,000, 
the amount shall be rounded up to the nearest 
$50,000,000,000. 
‘‘(2) If any amount less than $100,000,000,000 
determined under subsection (a) for any period is 
VerDate Sep 11 2014 
21:20 Dec 12, 2025
Jkt 069200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6201
E:\BILLS\H6553.IH
H6553
ssavage on LAPJG3WLY3PROD with BILLS
SEC. 3. BIANNUAL CONGRESSIONAL TESTIMONY ON INTER-
ACTIONS WITH GLOBAL FINANCIAL REGU-
LATORY OR SUPERVISORY FORUMS. 
Paragraph (12) of section 10 of the Federal Reserve 
Act (12 U.S.C. 247b) is amended by inserting before the 
period at the end the following: ‘‘and with respect to the 
conduct of interactions at global financial regulatory or 
supervisory forums (as defined in paragraph (7)(C))’’. 
Æ 
VerDate Sep 11 2014 
21:19 Dec 12, 2025
Jkt 069200
PO 00000
Frm 00020
Fmt 6652
Sfmt 6301
E:\BILLS\H6550.IH
H6550
ssavage on LAPJG3WLY3PROD with BILLS
I 
119TH CONGRESS 
1ST SESSION H. R. 6552 
To require the Board of Governors of the Federal Reserve System, the 
Comptroller of the Currency, and the Federal Deposit Insurance Corpora-
tion to study how partnerships between fintechs and banking organiza-
tions can support new banking organization formation and community 
bank health, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 10, 2025 
Mr. BARR introduced the following bill; which was referred to the Committee 
on Financial Services 
A BILL 
To require the Board of Governors of the Federal Reserve 
System, the Comptroller of the Currency, and the Fed-
eral Deposit Insurance Corporation to study how part-
nerships between fintechs and banking organizations can 
support new banking organization formation and commu-
nity bank health, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Bank-Fintech Partner-
ship Enhancement Act’’. 
VerDate Sep 11 2014 
21:20 Dec 12, 2025
Jkt 069200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H6552.IH
H6552
ssavage on LAPJG3WLY3PROD with BILLS
a report to Congress containing all findings and deter-
minations made in carrying out the study required under 
subsection (a). 
(c) BANKING ORGANIZATION DEFINED.—In this sec-
tion, the term ‘‘banking organization’’ means a depository 
institution holding company or an insured depository insti-
tution, as such terms are defined, respectively, under sec-
tion 3 of the Federal Deposit Insurance Act (12 U.S.C. 
1813). 
Æ 
VerDate Sep 11 2014 
21:20 Dec 12, 2025
Jkt 069200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6301
E:\BILLS\H6552.IH
H6552
ssavage on LAPJG3WLY3PROD with BILLS
I 
119TH CONGRESS 
1ST SESSION H. R. 6556 
To prohibit the use of certain concentration limit exceptions with respect 
to mergers involving a failed bank unless the applicable agency deter-
mines such use is necessary to prevent significant economic disruption 
or significant adverse effects on financial stability, and for other pur-
poses. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 10, 2025 
Mr. LYNCH introduced the following bill; which was referred to the Committee 
on Financial Services 
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 pur-
poses. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Failing Bank Acquisi-
tion Fairness Act’’. 
VerDate Sep 11 2014 
21:46 Dec 12, 2025
Jkt 069200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H6556.IH
H6556
ssavage on LAPJG3WLY3PROD with BILLS
(4) serve as the primary institution within the 
Department of Defense for the study of strategic de-
terrence and weapons of mass destruction education 
in joint professional military education; 
(5) design, develop, and implement studies and 
analyses to enhance understanding of— 
(A) strategic deterrence; 
(B) the threat of weapons of mass destruc-
tion to the security of the United States and 
globally; and 
(C) responses to prevent, mitigate, or 
eliminate the threat in accordance with Depart-
ment and national security policies and strate-
gies; and 
(6) provide expert support on strategic deter-
rence and weapons of mass destruction issues to the 
Secretary of Defense and other Federal Government 
leaders. 
Æ 
VerDate Sep 11 2014 
07:10 Dec 11, 2025
Jkt 069200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6301
E:\BILLS\H6557.IH
H6557
kjohnson on DSK7ZCZBW3PROD with $$_JOB