Placed on the Union Calendar, Calendar No. 165.
The bill mandates that the Federal Reserve revise Appendix C to 12 CFR part 225 within 180 days to raise the consolidated asset threshold under the Small Bank Holding Company and Savings and Loan Holding Company Policy Statement to $25 billion. In short, more bank and thrift holding companies would qualify as "small" under that policy statement and therefore be eligible for the regulatory treatment the statement provides.
Liberals emphasize financial stability risks; conservatives stress deregulation benefits.
Relative to its intended legislative type, this bill is a narrowly focused substantive policy change that clearly and precisely directs the Federal Reserve to raise the small bank holding company consolidated-asset threshold to $25 billion and sets a 180-day deadline for that regulatory revision.
The bill mandates that the Federal Reserve revise Appendix C to 12 CFR part 225 within 180 days to raise the consolidated asset threshold under the Small Bank Holding Company and Savings and Loan Holding Company Policy Statement to $25 billion.
In short, more bank and thrift holding companies would qualify as "small" under that policy statement and therefore be eligible for the regulatory treatment the statement provides.
Technically simple and fiscally modest, raising odds; but meaningful regulatory rollback and Senate procedure reduce likelihood.
Relative to its intended legislative type, this bill is a narrowly focused substantive policy change that clearly and precisely directs the Federal Reserve to raise the small bank holding company consolidated-asset threshold to $25 billion and sets a 180-day deadline for that regulatory revision.
Liberals emphasize financial stability risks; conservatives stress deregulation benefits.
These are examples from the analysis, not a ranked list of the most-affected groups.
Liberals emphasize financial stability risks; conservatives stress deregulation benefits.
Likely skeptical.
The change expands eligibility for lighter supervisory treatment to many larger institutions, which could reduce regulatory constraints.
Concerns focus on financial stability, consumer protections, and whether larger noncommunity banks gain unintended advantages.
Cautiously open.
The bill is a focused deregulatory change intended to help more banks qualify as "small." Support depends on demonstrated net economic benefits and safeguards against systemic risk.
Would seek empirical assessment and oversight measures.
Generally favorable.
The change reduces regulatory burden and increases flexibility for more banks and thrifts.
Seen as pro-growth for community and regional institutions, allowing expanded lending and acquisitions without heavy-handed rules.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Technically simple and fiscally modest, raising odds; but meaningful regulatory rollback and Senate procedure reduce likelihood.
The bill has not accumulated any surfaced votes yet.
Liberals emphasize financial stability risks; conservatives stress deregulation benefits.
Technically simple and fiscally modest, raising odds; but meaningful regulatory rollback and Senate procedure reduce likelihood.
Relative to its intended legislative type, this bill is a narrowly focused substantive policy change that clearly and precisely directs the Federal Reserve to raise the small bank holding company consolidated-asset thre…
Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.