# 119-hr-6570: Merger Agreement Approvals Clarity and Predictability Act

119-hr-6570, Merger Agreement Approvals Clarity and Predictability Act, is a 119th Congress bill sponsored by Rep. Fitzgerald, Scott [R-WI-5] (R-WI); status in_committee (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6570
- 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-6570
- Congress: 119
- Title: Merger Agreement Approvals Clarity and Predictability Act
- Status: in_committee
- Introduced: 2025-12-10
- Sponsor: Rep. Fitzgerald, Scott [R-WI-5] (R-WI)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2026-09-21

## 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. - 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.

## Cosponsors (1)

- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-01-09T00:00:00.000Z

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-2570: Maximum Pressure Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-6766: Essential Caregivers Act of 2025

## Sources
- [119-hr-6570 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6570)

## Related
- [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-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [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)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6570 (as of 2026-09-21).