Enhancing Bank Resolution Participation Act
Sponsored By: Representative Huizenga, Bill [R-MI-4]
In Committee
Summary
A joint study of shelf charters and the FDIC's modified bidder qualification process would be required to examine how these tools affect bank failures, bidders, and market stability. Agencies would have to submit a report with findings, barriers, and legislative or regulatory recommendations within one year.
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- Regulators and policymakers would be asked to review all conditional or preliminary shelf charter approvals since 2008 and identify statutory or regulatory barriers to using these tools in failed-bank resolutions.
- Potential bidders and private equity firms would be examined to see whether shelf charters and the modified bidder process expanded the pool of participants and to weigh the benefits and risks of private equity ownership of banks.
- Communities, consumers, and the Deposit Insurance Fund would be covered by analysis of effects on financial stability, the safety and soundness of affected banks, the availability of consumer financial products, and whether broader use could have protected the Deposit Insurance Fund or reduced the need for emergency Treasury action.
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Bill Overview
No Economic Impacts Identified for this Bill
Sponsors & CoSponsors
Sponsor
Huizenga, Bill [R-MI-4]
MI • R
Cosponsors
Rep. Gottheimer, Josh [D-NJ-5]
NJ • D
Sponsored 12/16/2025
Rep. Lawler, Michael [R-NY-17]
NY • R
Sponsored 1/12/2026
Roll Call Votes
No roll call votes available for this bill.
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