Bank regulators face new watchdog reviews of merger review speed
Placed on the calendarH.R. 6546Latest action
Sponsor: Roger Williams · Representative · TX
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Official title: Merger Process Review Act
119th Congress
Topics: Jobs & the economy
Introduced:
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must study bank and credit union merger review delays every three years and report fixes to Congress.
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What does this do?
H.R. 6546 requires at the Federal Reserve, OCC, FDIC, and NCUA to regularly review how their agencies process bank and credit union merger applications. Starting one year after enactment and every three years after, they must study processing times, identify delays, and recommend efficiency improvements, reporting findings to Congress with a written agency response plan.
Who does it affect?
The Federal Reserve, OCC, FDIC, and NCUA face new reporting duties; banks and credit unions seeking mergers are also affected.
Why does it matter?
The bill adds oversight and transparency requirements without changing merger rules or regulators' approval authority, potentially affecting how predictably merger reviews proceed.
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Where does it stand?
- IntroducedDec 9, 2025
- House committee
- House voteYou are here · Feb 25, 2026
- 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. 453.