HR 6552
· 119th Congress
· Finance and Financial Sector
Bank-Fintech Partnership Enhancement Act
Sponsor
Latest action
Placed on the Union Calendar, Calendar No. 456.
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. 119-531.
Financial Services Committee
Feb 25, 2026
other
Placed on the Union Calendar, Calendar No. 456.
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: 53 - 0.
Financial Services Committee
Dec 16, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
Dec 10, 2025
introduced
Introduced in House
Dec 10, 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.
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.
+79
−12
30 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 6552 Introduced in House (IH)]
+[H.R. 6552 Reported in House (RH)]
<DOC>
+Union Calendar No. 456
119th CONGRESS
-1st Session
+2d Session
H. R. 6552
+
+[Report No. 119-531]
To require the Board of Governors of the Federal Reserve System, the
Comptroller of the Currency, and the Federal Deposit Insurance
@@ -21,6 +24,20 @@
Mr. Barr introduced the following bill; which was referred to the
Committee on Financial Services
+
+February 25, 2026
+
+Additional sponsors: Mr. Gottheimer, Mr. Sessions, Mr. Davidson, Mr.
+Moskowitz, Mr. Moore of North Carolina, 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 10, 2025]
_______________________________________________________________________
@@ -45,14 +62,16 @@
(a) Study.--The Board of Governors of the Federal Reserve System,
the Comptroller of the Currency, and the Federal Deposit Insurance
Corporation shall carry out a study of--
-(1) how partnerships between banking organizations, on the
-one hand, and financial technology companies, on the other
-hand, can support formation of new banking organizations and
-community bank health, including the extent to which these
-partnerships reduce time to market for products and services,
-lower compliance burdens, boost customer acquisition, improve
-technological capabilities, and provide access to more diverse
-funding sources; and
+(1) the impact of partnerships between banking
+organizations, on the one hand, and financial technology
+companies, on the other hand, on the banking sector,
+competition, innovation, consumer protection, and the
+availability of financial products and services, including the
+extent to which these partnerships support the formation of new
+banking organizations, reduce time to market for products and
+services, lower compliance burdens, boost customer acquisition,
+improve technological capabilities, and provide access to more
+diverse funding sources; and
(2) what changes to Federal laws governing banking
organizations, or to rules or guidance adopted by the Board of
Governors of the Federal Reserve System, the Comptroller of the
@@ -60,7 +79,7 @@
help promote effective partnerships between banking
organizations, on the one hand, and financial technology
companies, on the other hand.
-(b) Report.--Not later than 6 months after the date of enactment of
+(b) Report.--Not later than 1 year after the date of enactment of
this Act, the Board of Governors of the Federal Reserve System, the
Comptroller of the Currency, and the Federal Deposit Insurance
Corporation shall issue a report to Congress containing all findings
@@ -71,4 +90,52 @@
or an insured depository institution, as such terms are defined,
respectively, under section 3 of the Federal Deposit Insurance Act (12
U.S.C. 1813).
-<all>
+
+SEC. 3. STUDY ON CREDIT UNION-FINTECH PARTNERSHIPS.
+
+(a) Study.--The National Credit Union Administration shall carry
+out a study of--
+(1) the impact of partnerships between credit unions, on
+the one hand, and financial technology companies, on the other
+hand, on the credit union sector, competition, innovation,
+consumer protection, and the availability of financial products
+and services, including the extent to which these partnerships
+support the formation of new credit unions, reduce time to
+market for products and services, lower compliance burdens,
+boost customer acquisition, improve technological capabilities,
+and provide access to more diverse funding sources; and
+(2) what changes to Federal laws governing credit unions,
+or to rules or guidance adopted by the National Credit Union
+Administration, may help promote effective partnerships between
+credit unions, on the one hand, and financial technology
+companies, on the other hand.
+(b) Report.--Not later than 1 year after the date of enactment of
+this Act, the National Credit Union Administration shall issue a report
+to Congress containing all findings and determinations made in carrying
+out the study required under subsection (a).
+Union Calendar No. 456
+
+119th CONGRESS
+
+2d Session
+
+H. R. 6552
+
+[Report No. 119-531]
+
+_______________________________________________________________________
+
+A BILL
+
+To require the Board of Governors of the Federal Reserve System, the
+Comptroller of the Currency, and the Federal Deposit Insurance
+Corporation to study how partnerships between fintechs and banking
+organizations can support new banking organization formation and
+community bank health, 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 (6)
Members who signed on to support this bill.