H.R. 6544Heading to a voteJobs & the economy
Bill would double frequency of bank regulation reviews to every 5 years
Data as of July 11, 2026
HR 6544 would require financial regulators to review their rules every 5 years instead of 10, with added internal analysis.40-second read · 4 questions answered below
Decoded
What does this do?
HR 6544 shortens the required review cycle for federal financial rules from once every 10 years to once every 5 years. It also expands coverage from "banking agencies" to the broader "financial institutions regulatory agencies" and adds a new internal review requirement covering consumer access, credit availability, market liquidity, and cost-benefit analysis, with findings summarized for Congress.
Who does it affect?
The bill applies to federal agencies regulating banks and financial institutions, such as the Federal Reserve and FDIC. It indirectly affects consumers, businesses, and financial companies that deal with the resulting regulatory compliance changes.
Why does it matter?
More frequent and expanded reviews could lead to changes in existing financial regulations, affecting compliance requirements for banks and potentially access to credit and financial products for consumers and businesses.
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
REVIEW Act of 2025
- Introduced:
- December 9, 2025
- Latest action:
- February 25, 2026
Placed on the Union Calendar, Calendar No. 452.
Read the official bill on Congress.govMake the call
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