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119-hr-6570119th Congress

Merger Agreement Approvals Clarity and Predictability Act

Sponsored By: Representative Fitzgerald, Scott [R-WI-5]

In Committee

Summary

Requires a Government Accountability Office (GAO) study of how federal bank regulators use commitments and conditions in merger approvals. The bill would direct the Comptroller General to evaluate whether those practices follow statutes, whether extrastatutory factors influence decisions, and how review procedures affect safety, competition, and access to financial services.

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  • Regulatory agencies would be examined for whether their use of commitments and conditions aligns with statutory requirements and whether extra-legal factors shape merger approvals.
  • Insured depository institutions, including banks and credit unions, would see merger review procedures and approved mergers assessed for impacts on safety and soundness, financial stability, competition, and the availability of products and services.
  • Members of Congress and policymakers would receive a GAO report with all findings and determinations within one year of enactment.

It establishes the GAO study and the definitions the study will use.

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & CoSponsors

Sponsor

Fitzgerald, Scott [R-WI-5]

WI • R

Cosponsors

  • 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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