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119-hr-6546119th CongressWALLET

Merger Process Review Act

Sponsored By: Representative Williams, Roger [R-TX-25]

In Committee

Summary

Triennial Inspector General reviews of merger processing would require the Inspector General at each federal depository institution regulator to assess how the agency handles insured depository institution merger applications every three years. Reviews must measure mean and median processing times, identify sources of delay, weigh benefits and risks of different review approaches, and evaluate effects on safety and soundness, financial stability, competition, and access to financial products and services. Each review must produce a public report to Congress and prompt a written agency response with a plan to implement appropriate recommendations.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

New Oversight of Bank Merger Reviews

If enacted, this bill would require the Inspector General of each federal depository institution regulator to review that agency's handling of insured depository institution merger applications. The first review would be due within 1 year and then every 3 years. Reviews would measure quantifiable metrics like mean and median processing times, identify sources of delay, and consider different review approaches. Reviews would also evaluate effects on safety and soundness, financial stability, competition, and access to bank products and services. Each Inspector General would send a report to Congress and post it online. The regulated agency would send Congress and post a written response that includes a plan to implement appropriate recommendations.

Sponsors & CoSponsors

Sponsor

Williams, Roger [R-TX-25]

TX • R

Cosponsors

  • Rep. Davidson, Warren [R-OH-8]

    OH • R

    Sponsored 12/16/2025

  • Rep. Lawler, Michael [R-NY-17]

    NY • R

    Sponsored 1/9/2026

Roll Call Votes

No roll call votes available for this bill.

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