HR 6546
· 119th Congress
· Finance and Financial Sector
Merger Process Review Act
Sponsor
Latest action
Placed on the Union Calendar, Calendar No. 453.
Action timeline
Every recorded action on this bill, newest first. Stage badges color-code the legislative path.
Feb 25, 2026
committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-528.
Financial Services Committee
Feb 25, 2026
other
Placed on the Union Calendar, Calendar No. 453.
Dec 17, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
Dec 17, 2025
committee
Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
Financial Services Committee
Dec 16, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
Dec 09, 2025
introduced
Introduced in House
Dec 09, 2025
introduced
Referred to the House Committee on Financial Services.
Financial Services Committee
Text versions
Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.
CRS summaries
Plain-English summaries written by the Congressional Research Service — neutral, nonpartisan staff who summarize bills as they advance through stages. The authoritative description of what each version of the bill does.
07
Reported to House
Feb 25, 2026
Merger Process Review Act
This bill requires the appropriate Office of the Inspector General (OIG) that serves the Federal Reserve Board, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the National Credit Union Administration to periodically review the merger applications received by that regulator.
Specifically, every three years, the appropriate OIG must examine that regulator’s merger approval procedures, including timeliness and efficiency, and report on its findings and recommendations. The regulator must then submit a plan to implement the appropriate recommendations.
via Congressional Research Service · published through congress.gov
Changelog
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih / is — Introduced in House / Senate. First filed version.rfh / rfs — Referred to a committee for review.rh / rs — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs / pch — Placed on Calendar for floor consideration.eh / es — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh / rds — Received by the other chamber.eah / eas — Engrossed Amendment. The other chamber passed an amended version.ath / ats — Agreed to. Both chambers settled on the same text.enr — Enrolled. Final reconciled text, sent to the President.pl — Public Law. Signed by the President. It's now law.pp — Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih/is— Introduced in House / Senate. First filed version.rfh/rfs— Referred to a committee for review.rh/rs— Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs/pch— Placed on Calendar for floor consideration.eh/es— Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh/rds— Received by the other chamber.eah/eas— Engrossed Amendment. The other chamber passed an amended version.ath/ats— Agreed to. Both chambers settled on the same text.enr— Enrolled. Final reconciled text, sent to the President.pl— Public Law. Signed by the President. It's now law.pp— Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
Line-level diff between text versions of this bill — what actually changed at each legislative stage.
+64
−15
33 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 6546 Introduced in House (IH)]
+[H.R. 6546 Reported in House (RH)]
<DOC>
+Union Calendar No. 453
119th CONGRESS
-1st Session
+2d Session
H. R. 6546
+
+[Report No. 119-528]
To require the Inspector General of each Federal prudential regulator
to carry out a review every 3 years of the regulator's handling of
@@ -20,6 +23,19 @@
Mr. Williams of Texas introduced the following bill; which was referred
to the Committee on Financial Services
+
+February 25, 2026
+
+Additional sponsors: Mr. Davidson and Mr. Lawler
+
+February 25, 2026
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
+[Strike out all after the enacting clause and insert the part printed
+in italic]
+[For text of introduced bill, see copy of bill as introduced on
+December 9, 2025]
_______________________________________________________________________
@@ -43,27 +59,36 @@
(a) Review.--Not later than 1 year after the date of enactment of
this Act, and every 3 years thereafter, the Inspector General of each
Federal depository institution regulatory agency shall review the
-Federal depository institution regulatory agency's record of timeliness
-and efficiency in reviewing and acting upon insured depository
-institution merger applications. The review shall--
+Federal depository institution regulatory agency's merger review
+procedures, including record of timeliness and efficiency in reviewing
+and acting upon insured depository institution merger applications. The
+review shall--
(1) include an evaluation of relevant quantifiable metrics,
including mean and median application processing times;
(2) identify sources of delay that may hinder the timely
consummation of proposals that meet the relevant statutory
-factors; and
-(3) include specific recommendations to improve the
-timeliness and efficiency of application processing, consistent
-with the Federal depository institution regulatory agency's
-statutory responsibilities.
+factors;
+(3) consider the benefits and risks of utilizing different
+merger review approaches and procedures in compliance with the
+law;
+(4) include an evaluation of the impact of such merger
+review procedures and resulting approved mergers on safety and
+soundness, financial stability, competition, and the
+availability of financial products and services offered by
+insured depository institutions; and
+(5) include specific recommendations to improve the merger
+review process, including timeliness and efficiency of
+application processing, consistent with the Federal depository
+institution regulatory agency's statutory responsibilities.
(b) Report.--Each Inspector General described under subsection (a)
shall, at the conclusion of each review required under subsection (a),
issue a report to Congress containing all findings and determinations
-made in carrying out the review.
+made in carrying out the review, and publish such report online.
(c) Agency Response.--In response to each report issued to Congress
under subsection (a), the appropriate Federal depository institution
-regulatory agency shall submit to Congress a written response,
-including a plan to implement the recommendations in the report, to the
-extent such implementation is appropriate.
+regulatory agency shall submit to Congress and publish online a written
+response, including a plan to implement the recommendations in the
+report, to the extent such implementation is appropriate.
(d) Definitions.--In this section:
(1) Application.--The term ``application'' means an
application, notice, or other similar request for permission
@@ -99,4 +124,28 @@
1956 (12 U.S.C. 1842); and
(F) section 4 of the Bank Holding Company Act of
1956 (12 U.S.C. 1843).
-<all>
+Union Calendar No. 453
+
+119th CONGRESS
+
+2d Session
+
+H. R. 6546
+
+[Report No. 119-528]
+
+_______________________________________________________________________
+
+A BILL
+
+To require the Inspector General of each Federal prudential regulator
+to carry out a review every 3 years of the regulator's handling of
+insured depository institution merger applications, and for other
+purposes.
+
+_______________________________________________________________________
+
+February 25, 2026
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
Lobbying activity
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2
filings · 2026 Q4
2
filings · 2026 Q4
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Cosponsors (2)
Members who signed on to support this bill.