Congress·Reported·H.R. 1900

Bank Failure Prevention Act of 2025

Banking: Faster Merger Approvals

Jun 4, 2025·View on Congress.gov·Read full text

This bill is one vehicle in a longer effort. See the full story across every version.View effort →

Next up: The HouseNo action in 13 months

This bill is waiting for a vote by the full House of Representatives. It has not had any official action since June 2025, which means it has been stalled for over one year. House leadership must decide to schedule a floor vote for the bill to move forward.

Legislative Progress

House

Senate

President

Law

Could go either way

The bill has cleared the committee stage in the House, but it may face opposition in the Senate from those who want more thorough reviews of bank mergers.

How we got here

This bill’s path across every version that has carried it.

Reintroduced
Reintroduced from H.R. 7403 (118th), which died when its Congress ended.
H.R. 7403 (118th) →

Key Points

This bill forces the Federal Reserve and other banking agencies to make faster decisions when one bank wants to buy another. Currently, these reviews can take a long time, but this law would set a strict 90-day deadline for a final yes or no.
If the government fails to act within that 90-day window, the merger or acquisition would be automatically approved. This ensures that banks are not left waiting indefinitely for the government to finish its paperwork.
The bill also limits what the government can look at when deciding if an application is complete. Regulators would only be allowed to use information provided by the bank itself, rather than waiting on reports or opinions from outside groups.
Supporters believe this will help prevent bank failures by making it easier for healthy banks to quickly take over struggling ones. This could help protect the money of people who use those banks during a financial crisis.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

3 milestones6 actions

Jun 4, 2025House

Placed on the Union Calendar, Calendar No. 101.

The bill is now on the schedule for the full chamber to consider. It's in line for debate and a vote.

Jun 4, 2025House

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-132.

May 21, 2025House

Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 21.

The committee approved this bill and is sending it to the full chamber for a vote. This is a significant step — most bills never get this far.

May 21, 2025House

Committee Consideration and Mark-up Session Held

Mar 6, 2025House

Referred to the House Committee on Financial Services.

No votes or news coverage recorded for this bill yet.

Source Information

Document Type

Congressional Bill

Official Title

Bank Failure Prevention Act of 2025

Bill NumberHR 1900

Congress119th Congress

ChamberHouse of Representatives

Latest ActionPlaced on the Union Calendar, Calendar No. 101.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Cosponsors

(3)

R: 3

Analysis generated by AI. Always verify with official sources.