I 
119TH CONGRESS 
1ST SESSION H. R. 6555 
To require the Comptroller of the Currency and the Federal Deposit Insur-
ance Corporation to carry out a study on shelf charters and modified 
bidder qualification processes, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 10, 2025 
Mr. HUIZENGA introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To require the Comptroller of the Currency and the Federal 
Deposit Insurance Corporation to carry out a study on 
shelf charters and modified bidder qualification proc-
esses, 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 ‘‘Enhancing Bank Reso-
lution Participation Act’’. 
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SEC. 2. STUDY ON SHELF CHARTERS AND MODIFIED BID-
DER QUALIFICATION PROCESSES. 
(a) STUDY.—The Comptroller of the Currency and 
the Federal Deposit Insurance Corporation shall, jointly, 
carry out a study of— 
(1) the use by the Comptroller of the Currency 
of shelf charters, including all conditional or prelimi-
nary shelf charter approvals granted between Janu-
ary 1, 2008, and the date of enactment of this Act; 
(2) the use by the Federal Deposit Insurance 
Corporation of the modified bidder qualification 
process; 
(3) whether shelf charters and modified bidder 
qualification processes were considered or used in 
connection with the receivership of any insured de-
pository institution for which the Federal Deposit 
Insurance Corporation was appointed receiver in 
2023; and 
(4) with respect to such receiverships, the ex-
tent to which greater use of shelf charters and modi-
fied bidder qualification processes could have— 
(A) expanded the pool of participants in 
the acquisition of the assets or liabilities of such 
failed insured depository institutions; 
(B) resulted in greater competition and di-
versity in market outcomes; 
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(C) protected the Deposit Insurance Fund; 
or 
(D) strengthened financial stability and re-
duced the need for any emergency determina-
tion by the Secretary of the Treasury under 
section 13(c)(4)(G) of the Federal Deposit In-
surance Act (12 U.S.C. 1823(c)(4)(G)) with re-
spect to any such receivership. 
(b) REPORT.—Not later than 270 days after the date 
of enactment of this Act, the Comptroller of the Currency, 
and the Federal Deposit Insurance Corporation shall, 
jointly, submit a report to the Committee on Financial 
Services of the House of Representatives and the Com-
mittee on Banking, Housing, and Urban Affairs of the 
Senate containing— 
(1) all findings and determinations made in car-
rying out the study required under subsection (a); 
and 
(2) an identification of statutory or regulatory 
barriers to the use and effectiveness of shelf charters 
and modified bidder qualification processes in the 
resolution of failed banks, including recommenda-
tions for legislative and regulatory changes. 
(c) CONSULTATION.—The Comptroller of the Cur-
rency and the Federal Deposit Insurance Corporation 
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shall consult with the Board of Governors of the Federal 
Reserve System in carrying out the study under subsection 
(a) and in preparing the report under subsection (b), in-
cluding with respect to the application of the Bank Hold-
ing Company Act of 1956 to shelf charter proposals and 
to the participation of investors not organized as an in-
sured depository institution in the modified bidder quali-
fication process. 
(d) DEFINITIONS.—In this section: 
(1) INSURED DEPOSITORY INSTITUTION.—The 
term ‘‘insured depository institution’’ has the mean-
ing given the term in section 3 of the Federal De-
posit Insurance Act (12 U.S.C. 1813). 
(2) MODIFIED BIDDER QUALIFICATION PROC-
ESS.—The term ‘‘modified bidder qualification proc-
ess’’ has the meaning given such term in the press 
release of the Federal Deposit Insurance Corpora-
tion titled ‘‘FDIC Expands Bidder List for Troubled 
Institutions Plan Allows Those Without a Bank 
Charter to Participate in the Process’’ published No-
vember 26, 2008. 
(3) SHELF CHARTER.—The term ‘‘shelf char-
ter’’ has the meaning given such term in the report 
issued by the Comptroller of the Currency titled 
‘‘Activities Permissible for National Banks and Fed-
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eral Savings Associations, Cumulative’’ published 
October 2017. 
Æ 
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