Bill would raise small bank holding company threshold from $3 billion to $25 billion
Placed on the calendarH.R. 2835Latest action
Sponsor: Byron Donalds · Representative · FL
AIDecoded by AI · checked against the recordRead the official text
Official title: Small Bank Holding Company Relief Act
119th Congress
Topics: Jobs & the economy
Introduced:
Read the official bill on Congress.govIn plain words
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HR 2835 would require the Federal Reserve to raise its small bank holding company cutoff from $3 billion to $25 billion in total assets within 180 days.
50-second read · 4 questions answered below
What does this do?
The bill would change the Federal Reserve's Small Bank Holding Company Policy Statement, which exempts smaller holding companies from detailed capital rules. It would require the Federal Reserve to raise the size cutoff from $3 billion to $25 billion in total assets within 180 days of the bill becoming law. It covers both bank holding companies and savings and loan holding companies.
Who does it affect?
Owners, managers, and employees of banking companies between $3 billion and $25 billion in size are most directly affected, along with their regulators at the Federal Reserve. Customers of those banks may not notice any day-to-day change.
Why does it matter?
Many more mid-sized banking companies would qualify for lighter treatment, with fewer holding company capital requirements and possibly lower compliance costs and paperwork. The rule shift could affect how much capital these companies hold in reserve and how they spend on compliance, while their banks would still have to meet their own capital and safety standards.
AI-drafted summary. Check it against the official text before you act on it.
Based on the “Reported in House” text of Jul 15, 2025.
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Where does it stand?
- IntroducedApr 10, 2025
- House committee
- House voteYou are here · Jul 15, 2025
- Senate
- The president's desk
Right now: it was placed on the , and the official record shows no floor action on it since. If the Senate changes it, it goes back to the House before reaching the president.
Latest action: — Placed on the Union Calendar, Calendar No. 165.