Failing Bank Acquisition Fairness Act

Sponsored by Rep. Stephen F. Lynch (D-MA) · 1 active : 1 Democrat

Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Read the summary

Where it standsPassed House, now in the Senate

Passed House

House: passedJul 14, 2026
Senate: next
President: not yet

9 senators score as swing votes

Summary

, via Congress.gov

Summary on Congress.gov

Failing Bank Acquisition Fairness Act

This bill tightens restrictions on certain waivers granted by federal financial regulators to companies that acquire insured depository institutions. Under current law, a regulator may not approve an acquisition if it would result in an institution exceeding a set concentration limit (i.e., controlling more than 10% of total insured U.S. deposits). This may be waived if one or more of the institutions involved is in default or in danger of default or if the Federal Deposit Insurance Corporation (FDIC) is providing certain assistance.

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In addition to these requirements, the bill requires the regulator to determine that (1) the merger is necessary to prevent significant economic disruption or financial instability, and (2) FDIC has not received a qualified bid from a company not subject to this concentration limit.

The bill also provides capitalization and management standards for qualified bids.

Regulators that waive these concentration limits must report to Congress on the circumstances and justification of the waiver.

How the projections held up

Each member’s recorded vote compared with their swing projection from before the vote. A member by voting against most of their own party.

House

Passed by voice vote or unanimous consent: no individual votes recorded.

Committees and subjects

Committees

House Committee on Financial Services · HouseReported by · Markup by · Referred to
Senate Committee on Banking, Housing, and Urban Affairs · SenateReferred to

Subjects

Administrative law and regulatory procedures
Bank accounts, deposits, capital
Banking and financial institutions regulation
Corporate finance and management
Economic performance and conditions
Federal Deposit Insurance Corporation (FDIC)
Financial crises and stabilization
Performance measurement

Senate · 100 House · 433

Model

v3defaultv2

Directional: count only breaks toward the other party Why do scores change?

How the House breaks down

44Swing 70–100
205Middle 30–70
182Entrenched 0–30
2Insufficient data not ranked

Members fall into . 2 representatives don’t have enough data yet and are marked “insufficient data”. Non-voting delegates are not counted. The bill is not before the House right now; these scores show where members would stand.

Key players in the House

Ranked by swing score, 0–100 · swing-v2, directional

: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.

Bars show each input from 0 to 100: ideology gap, scorecard gap, . is the seat’s partisan lean, and shows how much of the input data a score has.

Similar past votes, House

Earlier behind swing-v3’s input

Similar votes count toward swing-v3 in the House: total similarity weight 20.5 (needs 5.0).

H.R. 6955 · Jul 21, 2026 · Roll call 631On PassageMain Street Act
PassedShared subjects×1.0
S.J.Res. 13 · May 20, 2025 · Roll call 136On PassageProviding for congressional disapproval of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act
PassedShared subjects×1.0
S.J.Res. 18 · Apr 9, 2025 · Roll call 95On PassageDisapproving the rule submitted by the Bureau of Consumer Financial Protection relating to “Overdraft Lending: Very Large Financial Institutions”
PassedShared subjects×1.0
H.R. 1181 · Jul 14, 2026 · Roll call 600On PassageProtecting Privacy in Purchases Act
PassedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 327On PassageIncreasing Investor Opportunities Act
PassedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 326On Agreeing to the Amendment
FailedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 325On Agreeing to the Amendment
FailedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 324On Agreeing to the Amendment
FailedSame policy area×0.5

Show 17 more

H.R. 3357 · Jul 23, 2025 · Roll call 216On Motion to Suspend the Rules and Pass, as AmendedEnhancing Multi-Class Share Disclosures Act
PassedSame policy area×0.5
H.R. 1919 · Jul 17, 2025 · Roll call 200On PassageAnti-CBDC Surveillance State Act
PassedSame policy area×0.5
S. 1582 · Jul 17, 2025 · Roll call 199On PassageGENIUS Act
PassedSame policy area×0.5
H.R. 3633 · Jul 17, 2025 · Roll call 198On PassageCLARITY Act
PassedSame policy area

Cosponsors

1 active

Show all 1 cosponsors

Josh Gottheimer (D-NJ-5)

How the swing score works

Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.

Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.

Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.

Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.

Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.

Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.