Small Bank Holding Company Relief Act
Sponsored By: Representative Donalds, Byron [R-FL-19]
In Committee
Summary
Raises the small-bank holding company threshold to $25 billion. The bill would require the Federal Reserve to update Appendix C to part 225 within 180 days to set the consolidated asset cutoff at $25 billion. That change expands which bank and savings and loan holding companies qualify for the Small Bank Holding Company and Savings and Loan Holding Company Policy Statement and can ease regulatory constraints for firms that reach the higher threshold.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
More banks qualify for small-bank rules
This bill would require the Federal Reserve to raise the small-bank asset cap to $25 billion. The Fed would have 180 days after enactment to make this change. More bank and savings-and-loan holding companies would qualify for these rules, which could ease some regulatory limits. Any effects on customers and local lending would be indirect.
Sponsors & CoSponsors
Sponsor
Donalds, Byron [R-FL-19]
FL • R
Cosponsors
Haridopolos
FL • R
Sponsored 4/10/2025
Lucas
OK • R
Sponsored 4/10/2025
Rep. Downing, Troy [R-MT-2]
MT • R
Sponsored 4/14/2025
Barr
KY • R
Sponsored 5/19/2025
Rep. De La Cruz, Monica [R-TX-15]
TX • R
Sponsored 6/4/2025
Sessions
TX • R
Sponsored 6/9/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov