H.R. 2835Heading to a voteJobs & the economy
Bill would raise "small bank holding company" threshold to $25 billion
Data as of July 22, 2026
The bill would direct the Fed to raise the small bank holding company asset limit to $25 billion within 180 days.AI-decoded35-second read · 4 questions answered below
Decoded
AI-decodedWhat does this do?
This bill would require the Federal Reserve to raise the asset threshold defining a "small bank holding company" to $25 billion in consolidated assets. The Fed would have 180 days after enactment to make this change.
Who does it affect?
It affects bank and savings and loan holding companies that would newly qualify as "small" under the raised threshold. It could indirectly affect the customers and communities served by these institutions.
Why does it matter?
Qualifying as small brings lighter regulatory requirements, especially on capital rules, which could reduce compliance costs but also raises questions about adequate financial oversight.
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.
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Official title
Small Bank Holding Company Relief Act
- Introduced:
- April 10, 2025
- Latest action:
- July 15, 2025
Placed on the Union Calendar, Calendar No. 165.
Read the official bill on Congress.gov