# 119-hr-5262: Bank Competition Modernization Act

119-hr-5262, Bank Competition Modernization Act, is a 119th Congress bill sponsored by Rep. Fitzgerald, Scott [R-WI-5] (R-WI); status in_committee; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-5262
- 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-5262
- Congress: 119
- Title: Bank Competition Modernization Act
- Status: in_committee
- Introduced: 2025-09-10
- Sponsor: Rep. Fitzgerald, Scott [R-WI-5] (R-WI)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Shields small-bank deals from standard competition review when the merged institution would hold under $10 billion in assets.** It would add that threshold into three federal banking laws and require annual adjustments based on nominal GDP data.

## Provisions PRIA read

- Small bank mergers face less review: mixed, medium. If enacted, this would limit competition review for bank deals that create an institution under $10 billion in assets, starting right away. For those deals, agencies would not weigh whether the merger creates a monopoly or reduces competition. Each year that nominal U.S. GDP rises, the cutoff would…

## Related bills

- 119-hr-4312: SCORE Act
- 119-hr-2570: Maximum Pressure Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-6766: Essential Caregivers Act of 2025
- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-10582: Motion Picture, Television, and Entertainment Revitalization Act

## Sources
- [119-hr-5262 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5262)

## Related
- [119-hr-4312: SCORE Act](https://policyrisk.com/legislation/119-hr-4312)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-6766: Essential Caregivers Act of 2025](https://policyrisk.com/legislation/119-hr-6766)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-10582: Motion Picture, Television, and Entertainment Revitalization Act](https://policyrisk.com/legislation/119-hr-10582)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5262 (as of 2026-09-21).