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119-hr-6552119th Congress

Bank-Fintech Partnership Enhancement Act

Sponsored By: Representative Barr, Andy [R-KY-6]

In Committee

Summary

Requires federal studies of bank and credit union partnerships with fintech firms. The bill would have the Board of Governors of the Federal Reserve System (the Fed), the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC) conduct a study of partnerships between banking organizations and fintech companies while the National Credit Union Administration (NCUA) runs a parallel study for credit unions to assess effects on competition, innovation, consumer protection, and potential legal or rule changes.

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  • Consumers and families would get a formal review of how partnerships affect consumer protection and the availability of financial products and services.
  • Banks and credit unions would receive analysis on whether partnerships support new charter formation, shorten time to market, lower compliance burdens, boost customer acquisition, improve technology capabilities, and expand funding sources.
  • Fintech firms would be evaluated on whether partnerships help speed market entry and growth by reducing time to market and improving access to diverse funding.
  • Regulators and lawmakers would get reports to Congress with findings and determinations, and recommendations on changes to federal banking or credit union laws or agency rules, due within one year.

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & CoSponsors

Sponsor

Barr, Andy [R-KY-6]

KY • R

Cosponsors

  • Rep. Gottheimer, Josh [D-NJ-5]

    NJ • D

    Sponsored 12/16/2025

  • Rep. Sessions, Pete [R-TX-17]

    TX • R

    Sponsored 12/16/2025

  • Rep. Davidson, Warren [R-OH-8]

    OH • R

    Sponsored 12/16/2025

  • Rep. Moskowitz, Jared [D-FL-23]

    FL • D

    Sponsored 12/18/2025

  • Rep. Moore, Tim [R-NC-14]

    NC • R

    Sponsored 1/7/2026

  • 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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