# 119-hr-6555: Enhancing Bank Resolution Participation Act

119-hr-6555, Enhancing Bank Resolution Participation Act, is a 119th Congress bill sponsored by Rep. Huizenga, Bill [R-MI-4] (R-MI); status in_committee (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6555
- 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-6555
- Congress: 119
- Title: Enhancing Bank Resolution Participation Act
- Status: in_committee
- Introduced: 2025-12-10
- Sponsor: Rep. Huizenga, Bill [R-MI-4] (R-MI)
- Cosponsors: 2
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2026-09-21

## Summary

**Directs a joint study of shelf charters and the FDIC's modified bidder qualification process to evaluate their role in resolving failed banks and market stability.** It would require the OCC, FDIC, and Federal Reserve to review use since January 1, 2008, assess connections to 2023 receiverships, and recommend statutory or regulatory changes in a report due within one year. - Regulators: The OCC, FDIC, and Federal Reserve would prepare a joint report to specified congressional committees with findings and recommended legislative or regulatory changes within one year. - Failed-bank resolution and the Deposit Insurance Fund: The study must assess whether wider use of shelf charters or modified bidder processes could have expanded the pool of bidders, increased competition, protected the Deposit Insurance Fund, or reduced the need for emergency Treasury action for receiverships in 2023. - Private equity and banks: It would examine benefits and risks of private equity ownership of banks through shelf charters and modified bidder qualification processes. - Consumers and markets: The agencies would evaluate effects since January 1, 2008 on financial stability, the safety and soundness of affected depository institutions, and the availability of financial products and services. - Legal clarity: The act defines key terms by referencing section 3 of the Federal Deposit Insurance Act, an FDIC press release (Nov. 26, 2008), and an OCC report (Oct. 2017).

## Cosponsors (2)

- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2025-12-16T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-01-12T00:00:00.000Z

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-3633: Digital Asset Market Clarity Act
- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-9535: Securing Agriculture's Workforce Act of 2026

## Sources
- [119-hr-6555 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6555)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-3633: Digital Asset Market Clarity Act](https://policyrisk.com/legislation/119-hr-3633)
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-9535: Securing Agriculture's Workforce Act of 2026](https://policyrisk.com/legislation/119-hr-9535)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6555 (as of 2026-09-21).