# 119-hr-7887: Incentivizing Safe and Sound Banking Act

119-hr-7887, Incentivizing Safe and Sound Banking Act, is a 119th Congress bill sponsored by Rep. Waters, Maxine [D-CA-43] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-7887
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-7887
- Congress: 119
- Title: Incentivizing Safe and Sound Banking Act
- Status: introduced
- Introduced: 2026-03-09
- Sponsor: Rep. Waters, Maxine [D-CA-43] (D-CA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Blocks senior bank executives from selling stock they received as compensation while their bank faces unresolved supervisory problems.** The bill would let federal banking agencies add sale bans to enforcement orders and create an automatic prohibition tied to supervisory ratings and notices for large banks. - Senior executives and recent former officers: They may be barred from selling securities of the bank or its affiliates that they got as compensation until regulators sign off. - Large banks and their affiliates: The automatic ban targets institutions with more than $50 billion in assets and triggers if the bank has a 3, 4, or 5 rating or receives a matter requiring immediate attention and misses remediation deadlines. - Federal regulators: Agencies would gain explicit authority to include sale prohibitions in cease-and-desist orders and an automatic-stop mechanism to increase enforcement leverage.

## Provisions PRIA read

- Ban on executive stock sales at big banks: cost, low. This bill would let regulators bar senior executives from selling stock they got as pay at banks or bank holding companies with more than $50,000,000,000 in consolidated assets. The ban would trigger if the bank has a 3, 4, or 5 rating under the uniform exam system, or if the agency issues a "matte…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6771: Housing Crisis Response Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hres-1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026

## Sources
- [119-hr-7887 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7887)

## Related
- [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-6771: Housing Crisis Response Act of 2025](https://policyrisk.com/legislation/119-hr-6771)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hres-1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644…](https://policyrisk.com/legislation/119-hres-1299)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-7887 (as of 2026-04-21).