American Legislation

Limits concentration-limit waivers for failed-bank deals, defines qualified bidders, adds reporting and public disclosure, and restricts certain bid considerations.

Creates HHS grants and USDA technical help to expand Medicaid "Food as Medicine" programs using locally or regionally sourced regenerative or organic products.

Gives regulators power to claw back pay, fine, remove, and bar bank executives whose negligence causes failed banks.

Requires financial regulators to review cumulative effects of their rules every five years and report findings, costs, and recommendations to streamline regulations.

Requires inspectors general to review and report on bank and credit union merger processing every three years.

Requires annual reports by banking regulators on interactions with international financial forums and added biannual congressional testimony.

Requires agencies to publish yearly reports on charter, holding company, and deposit insurance applications, including state-by-state data.

Requires three federal banking agencies to study bank–fintech partnerships and report to Congress within 6 months.

Requires the GAO to study how regulators use conditions in bank and credit union merger approvals and report to Congress in six months.

Allows the FDIC to choose a higher-cost rescue to limit growth of very large global banks, with caps, required assessments, and Congressional reporting.

Changes community bank leverage ratio thresholds and directs regulators to review and update rules to encourage opt-in.

Restricts federal agencies from partnering with nonprofits for voter registration and delays Executive Order 14019; requires reports and limits work-study voter activities.

Sets deadlines for examination reports, creates an independent review office, and gives institutions a right to appeal material supervisory findings.

Updates CAMELS bank ratings with objective measures, weighting changes, and possible removal or revision of the management component.

Stops banking agencies from using reputational risk in supervision and requires removal of related guidance plus reports.

Sets timelines and rules for completeness and decisions on bank and savings-and-loan acquisition applications.

Requires banking regulators to tailor rules to institutions' risk and business models and reduce reporting for qualifying small banks.

Phases in capital rules for new banks, eases rules for rural start-up banks, expands savings associations' agricultural loan authority, and requires a study.

Adds flood insurance payments for demolition or relocation of shoreline structures condemned due to erosion, with payment limits and eligibility rules.