IB 
Union Calendar No. 317 
119TH CONGRESS 
1ST SESSION H. R. 5262 
[Report No. 119–365] 
To amend the Federal Deposit Insurance Act, the Bank Holding Company 
Act of 1956, and the Home Owners’ Loan Act to require the consider-
ation of certain entities and factors when evaluating proposed acquisi-
tions, mergers, consolidations, assumptions of liabilities, or transfers of 
assets, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 10, 2025 
Mr. FITZGERALD introduced the following bill; which was referred to the 
Committee on Financial Services 
NOVEMBER 4, 2025 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
[For text of introduced bill, see copy of bill as introduced on September 10, 2025] 
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A BILL 
To amend the Federal Deposit Insurance Act, the Bank 
Holding Company Act of 1956, and the Home Owners’ 
Loan Act to require the consideration of certain entities 
and factors when evaluating proposed acquisitions, merg-
ers, consolidations, assumptions of liabilities, or transfers 
of assets, and for other purposes. 
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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 Competition Mod-
ernization Act’’. 
SEC. 2. COMPETITIVE FACTOR CONSIDERATIONS. 
(a) IN GENERAL.—Section 18(c) of the Federal Deposit 
Insurance Act (12 U.S.C. 1828(c)) is amended— 
(1) in paragraph (4)(C)— 
(A) in clause (i), by striking ‘‘or’’ at the 
end; 
(B) in clause (ii), by striking the period at 
the end and inserting ‘‘; or’’; and 
(C) by adding at the end the following: 
‘‘(iii) the proposed merger transaction 
would result in an entity with less than 
$10,000,000,000 in assets.’’; and 
(2) by adding at the end the following: 
‘‘(14) FOR MERGER TRANSACTIONS RESULTING IN IN-
STITUTIONS WITH LESS THAN $10,000,000,000 IN AS-
SETS.— 
‘‘(A) IN GENERAL.—Notwithstanding paragraph 
(5), if a proposed merger transaction would result in 
an institution with less than $10,000,000,000 in as-
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sets, then the responsible agency shall not consider 
whether such merger transaction would— 
‘‘(i) result in a monopoly, or would be in 
furtherance of any combination or conspiracy to 
monopolize or to attempt to monopolize the busi-
ness of banking in any part of the United States; 
and 
‘‘(ii) have the effect in any section of the 
country of substantially lessening competition, 
tending to create a monopoly, or in any other 
manner restraining trade. 
‘‘(B) THRESHOLD ADJUSTMENT.— 
‘‘(i) IN GENERAL.—At the end of each year 
for which the nominal gross domestic product of 
the United States increases (a ‘covered year’), the 
Corporation shall adjust the dollar figures de-
scribed in subparagraph (A) and paragraph 
(4)(C)(iii) by a percentage equal to the percent-
age increase (if any) between— 
‘‘(I) the nominal gross domestic prod-
uct of the United States for the year, during 
the preceding 5 years, with respect to which 
the nominal gross domestic product of the 
United States was the highest; and 
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‘‘(II) the nominal gross domestic prod-
uct of the United States for the covered 
year. 
‘‘(ii) DETERMINATION
OF
GDP.—In this 
paragraph, the Corporation shall use nominal 
gross domestic product statistics determined by 
the Bureau of Economic Analysis.’’. 
(b) FOR BANK HOLDING COMPANIES.—Section 3(c) of 
the Bank Holding Company Act of 1956 (12 U.S.C. 
1842(c)) is amended by adding at the end the following: 
‘‘(8) FOR PROPOSED TRANSACTIONS RESULTING 
IN COMPANIES WITH LESS THAN $10,000,000,000 IN AS-
SETS.— 
‘‘(A) IN GENERAL.—Notwithstanding para-
graph (1), if a proposed acquisition, merger, or 
consolidation under this section would result in 
a company with less than $10,000,000,000 in as-
sets, then the Board shall not consider whether 
such 
acquisition, 
merger, 
or 
consolidation 
would— 
‘‘(i) result in a monopoly, or would be 
in furtherance of any combination or con-
spiracy to monopolize or to attempt to mo-
nopolize the business of banking in any 
part of the United States; and 
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‘‘(ii) have the effect in any section of 
the country of substantially lessening com-
petition, tending to create a monopoly, or 
in any other manner restraining trade. 
‘‘(B) THRESHOLD ADJUSTMENT.— 
‘‘(i) IN GENERAL.—At the end of each 
year for which the nominal gross domestic 
product of the United States increases (a 
‘covered year’), the Board shall adjust the 
dollar figure described in subparagraph (A) 
by a percentage equal to the percentage in-
crease (if any) between— 
‘‘(I) the nominal gross domestic 
product of the United States for the 
year, during 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 
product of the United States for the 
covered year. 
‘‘(ii) DETERMINATION
OF
GDP.—In 
this paragraph, the Board shall use nomi-
nal gross domestic product statistics deter-
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mined by the Bureau of Economic Anal-
ysis.’’. 
(c) FOR SAVINGS AND LOAN HOLDING COMPANIES.— 
Section 10(e) of the Home Owners’ Loan Act (12 U.S.C. 
1467a(e)) is amended by adding at the end the following: 
‘‘(8) FOR PROPOSED TRANSACTIONS RESULTING 
IN COMPANIES WITH LESS THAN $10,000,000,000 IN AS-
SETS.— 
‘‘(A) IN
GENERAL.—Notwithstanding sub-
paragraphs (A) and (B) of paragraph (2), if a 
proposed transaction under this section would 
result 
in 
a 
company 
with 
less 
than 
$10,000,000,000 in assets, then the Board shall 
not consider whether the transaction would— 
‘‘(i) result in a monopoly, or would be 
in furtherance of any combination or con-
spiracy to monopolize or to attempt to mo-
nopolize the savings and loan business in 
any part of the United States; and 
‘‘(ii) have the effect in any section of 
the country of substantially lessening com-
petition, tending to create a monopoly, or 
in any other manner restraining trade. 
‘‘(B) THRESHOLD ADJUSTMENT.— 
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‘‘(i) IN GENERAL.—At the end of each 
year for which the nominal gross domestic 
product of the United States increases (a 
‘covered year’), the Board shall adjust the 
dollar figure described in subparagraph (A) 
by a percentage equal to the percentage in-
crease (if any) between— 
‘‘(I) the nominal gross domestic 
product of the United States for the 
year, during 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 
product of the United States for the 
covered year. 
‘‘(ii) DETERMINATION
OF
GDP.—In 
this paragraph, the Board shall use nomi-
nal gross domestic product statistics deter-
mined by the Bureau of Economic Anal-
ysis.’’. 
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Union Calendar No. 317 
119TH CONGRESS 
1ST SESSION 
H. R. 5262 
[Report No. 119–365] 
A BILL 
To amend the Federal Deposit Insurance Act, the 
Bank Holding Company Act of 1956, and the 
Home Owners’ Loan Act to require the consider-
ation of certain entities and factors when evalu-
ating proposed acquisitions, mergers, consolida-
tions, assumptions of liabilities, or transfers of 
assets, and for other purposes. 
NOVEMBER 4, 2025 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
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