# 119-hr-1900: Bank Failure Prevention Act of 2025

119-hr-1900, Bank Failure Prevention Act of 2025, is a 119th Congress bill sponsored by Rep. Barr, Andy [R-KY-6] (R-KY); status in_committee; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-1900
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1900
- Congress: 119
- Title: Bank Failure Prevention Act of 2025
- Status: in_committee
- Introduced: 2025-03-06
- Sponsor: Rep. Barr, Andy [R-KY-6] (R-KY)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Creates a clear, time‑bound process to decide bank, thrift, and insured depository merger and acquisition applications by requiring fast completeness checks and a 90‑day decision deadline.** The bill would standardize how completeness is judged and limit what agencies may use to decide completeness.

## Cosponsors (3)

- Rep. Fitzgerald, Scott [R-WI-5] (R-WI), 2025-03-06T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-05-08T00:00:00.000Z
- Rep. Sessions, Pete [R-TX-17] (R-TX), 2025-05-19T00:00:00.000Z

## Provisions PRIA read

- Faster approvals for bank and thrift holding companies: mixed, medium. This bill would set firm clocks on reviews for bank and thrift holding companies. Regulators would have 30 days to say if an application is complete, with one extra 30 days for complex filings. After the applicant replies, the file would count as complete unless regulators send a detailed “material…
- Faster decisions on bank mergers: mixed, medium. This bill would speed merger reviews for insured banks. Agencies would have 30 days to say if a merger application is complete, with one extra 30 days for unusually complex cases. After the applicant replies, the record would be complete unless the agency cites material deficiencies within 30 days.…

## Related bills

- 119-hr-6955: Main Street Capital Access Act
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-1181: Protecting Privacy in Purchases Act
- 119-hr-987: Fair Access to Banking Act
- 119-hr-10184: Consumer Financial Protection Accountability and Reform Act of 2026

## Sources
- [119-hr-1900 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1900)

## Related
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-1181: Protecting Privacy in Purchases Act](https://policyrisk.com/legislation/119-hr-1181)
- [119-hr-987: Fair Access to Banking Act](https://policyrisk.com/legislation/119-hr-987)
- [119-hr-10184: Consumer Financial Protection Accountability and Reform Act of 2026](https://policyrisk.com/legislation/119-hr-10184)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1900 (as of 2026-09-21).