[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6552 Reported in House (RH)]

<DOC>





                                                 Union Calendar No. 456
119th CONGRESS
  2d Session
                                H. R. 6552

                          [Report No. 119-531]

 To require the Board of Governors of the Federal Reserve System, the 
    Comptroller of the Currency, and the Federal Deposit Insurance 
  Corporation to study how partnerships between fintechs and banking 
   organizations can support new banking organization formation and 
             community bank health, and for other purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                           December 10, 2025

   Mr. Barr introduced the following bill; which was referred to the 
                    Committee on Financial Services

                           February 25, 2026

 Additional sponsors: Mr. Gottheimer, Mr. Sessions, Mr. Davidson, Mr. 
         Moskowitz, Mr. Moore of North Carolina, and Mr. Lawler

                           February 25, 2026

  Reported with an amendment, committed to the Committee of the Whole 
       House on the State of the Union, and ordered to be printed
 [Strike out all after the enacting clause and insert the part printed 
                               in italic]
    [For text of introduced bill, see copy of bill as introduced on 
                           December 10, 2025]


_______________________________________________________________________

                                 A BILL


 
 To require the Board of Governors of the Federal Reserve System, the 
    Comptroller of the Currency, and the Federal Deposit Insurance 
  Corporation to study how partnerships between fintechs and banking 
   organizations can support new banking organization formation and 
             community bank health, and for other purposes.


 


    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Bank-Fintech Partnership Enhancement 
Act''.

SEC. 2. STUDY ON BANK-FINTECH PARTNERSHIPS.

    (a) Study.--The Board of Governors of the Federal Reserve System, 
the Comptroller of the Currency, and the Federal Deposit Insurance 
Corporation shall carry out a study of--
            (1) the impact of partnerships between banking 
        organizations, on the one hand, and financial technology 
        companies, on the other hand, on the banking sector, 
        competition, innovation, consumer protection, and the 
        availability of financial products and services, including the 
        extent to which these partnerships support the formation of new 
        banking organizations, reduce time to market for products and 
        services, lower compliance burdens, boost customer acquisition, 
        improve technological capabilities, and provide access to more 
        diverse funding sources; and
            (2) what changes to Federal laws governing banking 
        organizations, or to rules or guidance adopted by the Board of 
        Governors of the Federal Reserve System, the Comptroller of the 
        Currency, or the Federal Deposit Insurance Corporation, may 
        help promote effective partnerships between banking 
        organizations, on the one hand, and financial technology 
        companies, on the other hand.
    (b) Report.--Not later than 1 year after the date of enactment of 
this Act, the Board of Governors of the Federal Reserve System, the 
Comptroller of the Currency, and the Federal Deposit Insurance 
Corporation shall issue a report to Congress containing all findings 
and determinations made in carrying out the study required under 
subsection (a).
    (c) Banking Organization Defined.--In this section, the term 
``banking organization'' means a depository institution holding company 
or an insured depository institution, as such terms are defined, 
respectively, under section 3 of the Federal Deposit Insurance Act (12 
U.S.C. 1813).

SEC. 3. STUDY ON CREDIT UNION-FINTECH PARTNERSHIPS.

    (a) Study.--The National Credit Union Administration shall carry 
out a study of--
            (1) the impact of partnerships between credit unions, on 
        the one hand, and financial technology companies, on the other 
        hand, on the credit union sector, competition, innovation, 
        consumer protection, and the availability of financial products 
        and services, including the extent to which these partnerships 
        support the formation of new credit unions, reduce time to 
        market for products and services, lower compliance burdens, 
        boost customer acquisition, improve technological capabilities, 
        and provide access to more diverse funding sources; and
            (2) what changes to Federal laws governing credit unions, 
        or to rules or guidance adopted by the National Credit Union 
        Administration, may help promote effective partnerships between 
        credit unions, on the one hand, and financial technology 
        companies, on the other hand.
    (b) Report.--Not later than 1 year after the date of enactment of 
this Act, the National Credit Union Administration shall issue a report 
to Congress containing all findings and determinations made in carrying 
out the study required under subsection (a).
                                                 Union Calendar No. 456

119th CONGRESS

  2d Session

                               H. R. 6552

                          [Report No. 119-531]

_______________________________________________________________________

                                 A BILL

 To require the Board of Governors of the Federal Reserve System, the 
    Comptroller of the Currency, and the Federal Deposit Insurance 
  Corporation to study how partnerships between fintechs and banking 
   organizations can support new banking organization formation and 
             community bank health, and for other purposes.

_______________________________________________________________________

                           February 25, 2026

  Reported with an amendment, committed to the Committee of the Whole 
       House on the State of the Union, and ordered to be printed