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H. Rept. 119-365 1 (2025-11-04)

handle is hein.congrecreports/crptxahux0001 and id is 1 raw text is: AUTHENTICATED r U.S. GOVERNMENT INFORMATION 4 119TH CONGRESS REPORT 1st Session J HOUSE OF REPRESENTATIVES 119-365 BANK COMPETITION MODERNIZATION ACT NOVEMBER 4, 2025.-Committed to the Committee of the Whole House on the State of the Union and ordered to be printed Mr. HILL of Arkansas, from the Committee on Financial Services, submitted the following REPORT together with MINORITY VIEWS [To accompany H.R. 5262] The Committee on Financial Services, to whom was referred the bill (H.R. 5262) to amend the Federal Deposit Insurance Act, the Bank Holding Company Act of 1956, and the Home Owners' Loan Act to require the consideration of certain entities and factors when evaluating proposed acquisitions, mergers, consolidations, assump- tions of liabilities, or transfers of assets, and for other purposes, having considered the same, reports favorably thereon with an amendment and recommends that the bill as amended do pass. CONTENTS Page Purpose and Sum m ary ........................................................................................... . 3 Background and Need for Legislation .................................................................... 3 Com m ittee Consideration ........................................................................................ 4 R elated H earings ..................................................................................................... 4 C om m ittee V otes ..................................................................................................... 4 Com m ittee Oversight Findings ............................................................................... 8 Perform ance Goals and Objectives ......................................................................... 8 Com m ittee Cost Estim ate ....................................................................................... 8 New Budget Authority and CBO Cost Estimate ................................................... 8 Unfunded M andates Statem ent .............................................................................. 8 E arm ark Statem ent ................................................................................................. 8 Federal Advisory Committee Act Statement ......................................................... 9 Applicability to the Legislative Branch ................................................................. 9 Duplication of Federal Program s ............................................................................ 9 Section-by-Section Analysis of the Legislation ...................................................... 9 Changes in Existing Law Made by the Bill, as Reported ................. 9 M inority V iew s ........................................................................................................ 75 69-006