H.R. 6555Heading to a voteJobs & the economy
Regulators would study fast-response tools for failed bank takeovers
Data as of July 11, 2026
The OCC and FDIC would have 270 days to study tools for handling bank failures and report to Congress.40-second read · 4 questions answered below
Decoded
What does this do?
The bill directs the OCC and FDIC to jointly study two tools used during bank failures: "shelf charters," which pre-approve investors to quickly start a new bank, and a "modified bidder qualification process," which lets non-bank companies bid on failed banks' assets. The study covers use of these tools since 2008, including whether they were considered during the 2023 failures of Silicon Valley Bank and Signature Bank.
Who does it affect?
Directly affects the OCC, FDIC, and Federal Reserve, which would conduct the study and consultations. Indirectly affects banks, potential bank investors, and the financial system if Congress later acts on the findings.
Why does it matter?
The bill does not change banking rules or authorize any takeovers itself; it requires regulators to spend time and resources producing a report that could inform future legislation.
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
Enhancing Bank Resolution Participation Act
- Introduced:
- December 10, 2025
- Latest action:
- February 25, 2026
Placed on the Union Calendar, Calendar No. 459.
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