H.R. 6552Heading to a voteJobs & the economy
Federal regulators ordered to study bank-fintech partnerships within six months
Data as of July 11, 2026
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
Decoded
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.
Where does it stand?
- Introduced
- House committee
- House vote — You are here
- Senate
- President's desk
Right now: it's headed for a House floor vote. If the Senate changes it, it goes back to the House before reaching the President.
AI-drafted summary. Verify it against the official text before you act on it.
Three steps: where you stand, your script, the call.
Make the callSee how a call works
Official title
Bank-Fintech Partnership Enhancement Act
- Introduced:
- December 10, 2025
- Latest action:
- February 25, 2026
Placed on the Union Calendar, Calendar No. 456.
Read the official bill on Congress.govMake the call
Three steps: where you stand, your script, the call.