H.R. 6546Heading to a voteJobs & the economy
Bank regulators face new watchdog reviews of merger review speed
Data as of July 23, 2026
Inspectors General must study bank and credit union merger review delays every three years and report fixes to Congress.AI-decoded35-second read · 4 questions answered below
Decoded
AI-decodedWhat does this do?
H.R. 6546 requires Inspectors General 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.
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
Merger Process Review Act
- Introduced:
- December 9, 2025
- Latest action:
- February 25, 2026
Placed on the Union Calendar, Calendar No. 453.
Read the official bill on Congress.gov