Federal regulators ordered to study bank-fintech partnerships within six months
Placed on the calendarH.R. 6552Latest action
Sponsor: Andy Barr · Representative · KY
AIDecoded by AI · checked against the recordRead the official text
Official title: Bank-Fintech Partnership Enhancement Act
119th Congress
Topics: Jobs & the economy
Introduced:
Read the official bill on Congress.govIn plain words
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HR 6552 directs three federal banking regulators to study bank-fintech partnerships and report to Congress within six months.
45-second read · 4 questions answered below
What does this do?
HR 6552 requires the Federal Reserve, the Office of the Comptroller of the Currency, and the FDIC to study the relationship between traditional banks and fintech companies. The study must examine whether fintech partnerships support new bank formation and community bank health, and whether existing federal laws or regulations should be changed to improve such partnerships. A report must be delivered to Congress within six months of the bill becoming law.
Who does it affect?
The bill directly affects federal bank regulators, community banks, and fintech companies. Everyday bank customers are not immediately affected, though future policy changes stemming from the study could eventually shape how banks and tech companies work together.
Why does it matter?
The bill does not change any existing laws or create new rules on its own. Its findings could inform future legislation or regulatory changes affecting community banks, fintechs, and potentially the customers they serve.
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Where does it stand?
- IntroducedDec 10, 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. 456.