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HR-2835House2025-07-15Finance and Financial Sector

Small Bank Holding Company Relief Act

YourVoice.Now Summary

Corporate Benefits

More bank-owning companies, up to $25 billion in assets, could count as small under a Federal Reserve policy.

Corporate Benefits

Bank owners under Fed's small-company policy — up to $25 billion

The Fed has a special policy for small companies that own banks or savings and loans. Within 180 days, the Fed would have to let companies with up to $25 billion in assets qualify.

More about this bill

Larger companies that own banks could qualify for the Federal Reserve's special policy for small bank owners. Within 180 days, the Fed would have to raise the size cutoff in that policy to $25 billion in total assets. The same cutoff would apply to companies that own savings and loan banks. Most people would see no direct change in their own bank accounts. The change is about how the Fed treats the parent companies that own banks. The bill does not spell out the policy's rules. It only changes which companies are small enough to qualify.

Congressional Summary

Congress's official summary of this bill still describes an earlier version of the text, so we have left it out here. You can read it on Congress.gov.

Congress.gov →

Legislative Subjects

Bank accounts, deposits, capitalBanking and financial institutions regulationFederal Reserve System

Details

Congress
119th
Chamber
House
Status
summarized
Action
Reported to House
Action Date
2025-07-15
Date Added
2026-10-08
Source
Congress.gov →

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