HR 6555
· 119th Congress
· Finance and Financial Sector
Enhancing Bank Resolution Participation Act
Sponsor
Latest action
Placed on the Union Calendar, Calendar No. 459.
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. 119-534.
Financial Services Committee
Feb 25, 2026
other
Placed on the Union Calendar, Calendar No. 459.
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: 51 - 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.
+70
−25
44 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 6555 Introduced in House (IH)]
+[H.R. 6555 Reported in House (RH)]
<DOC>
+Union Calendar No. 459
119th CONGRESS
-1st Session
+2d Session
H. R. 6555
+
+[Report No. 119-534]
To require the Comptroller of the Currency and the Federal Deposit
Insurance Corporation to carry out a study on shelf charters and
@@ -19,6 +22,19 @@
Mr. Huizenga introduced the following bill; which was referred to the
Committee on Financial Services
+
+February 25, 2026
+
+Additional sponsors: Mr. Gottheimer 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]
_______________________________________________________________________
@@ -39,20 +55,24 @@
SEC. 2. STUDY ON SHELF CHARTERS AND MODIFIED BIDDER QUALIFICATION
PROCESSES.
-(a) Study.--The Comptroller of the Currency and the Federal Deposit
-Insurance Corporation shall, jointly, carry out a study of--
+(a) Study.--The Comptroller of the Currency, the Federal Deposit
+Insurance Corporation, and the Board of the Governors of the Federal
+Reserve System shall, jointly, carry out a study of--
(1) the use by the Comptroller of the Currency of shelf
charters, including all conditional or preliminary shelf
charter approvals granted between January 1, 2008, and the date
of enactment of this Act;
(2) the use by the Federal Deposit Insurance Corporation of
the modified bidder qualification process;
-(3) whether shelf charters and modified bidder
+(3) the application of the Bank Holding Company Act of 1956
+(12 U.S.C. 1841 et seq.) and section 10 of the Home Owners'
+Loan Act (12 U.S.C. 1467a) to shelf charter proposals;
+(4) whether shelf charters and modified bidder
qualification processes were considered or used in connection
with the receivership of any insured depository institution for
which the Federal Deposit Insurance Corporation was appointed
-receiver in 2023; and
-(4) with respect to such receiverships, the extent to which
+receiver in 2023;
+(5) with respect to such receiverships, the extent to which
greater use of shelf charters and modified bidder qualification
processes could have--
(A) expanded the pool of participants in the
@@ -65,28 +85,30 @@
the need for any emergency determination by the
Secretary of the Treasury under section 13(c)(4)(G) of
the Federal Deposit Insurance Act (12 U.S.C.
-1823(c)(4)(G)) with respect to any such receivership.
-(b) Report.--Not later than 270 days after the date of enactment of
-this Act, the Comptroller of the Currency, and the Federal Deposit
-Insurance Corporation shall, jointly, submit a report to the Committee
-on Financial Services of the House of Representatives and the Committee
-on Banking, Housing, and Urban Affairs of the Senate containing--
+1823(c)(4)(G)) with respect to any such receivership;
+(6) the impact of the use of shelf charters and modified
+bidder qualification processes since January 1, 2008, including
+on financial stability, the safety and soundness of affected
+insured depository institutions, and the availability of
+financial products and services provided to consumers by such
+institutions; and
+(7) any benefits and risks of private equity ownership of
+banks through the use of shelf charters and modified bidder
+qualification processes.
+(b) Report.--Not later than 1 year after the date of enactment of
+this Act, the Comptroller of the Currency, the Federal Deposit
+Insurance Corporation, and the Board of the Governors of the Federal
+Reserve System shall, jointly, submit a report to the Committee on
+Financial Services of the House of Representatives and the Committee on
+Banking, Housing, and Urban Affairs of the Senate containing--
(1) all findings and determinations made in carrying out
the study required under subsection (a); and
(2) an identification of statutory or regulatory barriers
to the use and effectiveness of shelf charters and modified
bidder qualification processes in the resolution of failed
-banks, including recommendations for legislative and regulatory
-changes.
-(c) Consultation.--The Comptroller of the Currency and the Federal
-Deposit Insurance Corporation shall consult with the Board of Governors
-of the Federal Reserve System in carrying out the study under
-subsection (a) and in preparing the report under subsection (b),
-including with respect to the application of the Bank Holding Company
-Act of 1956 to shelf charter proposals and to the participation of
-investors not organized as an insured depository institution in the
-modified bidder qualification process.
-(d) Definitions.--In this section:
+insured depository institutions, including recommendations for
+legislative and regulatory changes.
+(c) Definitions.--In this section:
(1) Insured depository institution.--The term ``insured
depository institution'' has the meaning given the term in
section 3 of the Federal Deposit Insurance Act (12 U.S.C.
@@ -102,4 +124,27 @@
of the Currency titled ``Activities Permissible for National
Banks and Federal Savings Associations, Cumulative'' published
October 2017.
-<all>
+Union Calendar No. 459
+
+119th CONGRESS
+
+2d Session
+
+H. R. 6555
+
+[Report No. 119-534]
+
+_______________________________________________________________________
+
+A BILL
+
+To require the Comptroller of the Currency and the Federal Deposit
+Insurance Corporation to carry out a study on shelf charters and
+modified bidder qualification processes, 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
Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.
2
filings · 2026 Q4
2
filings · 2026 Q4
via Senate LDA · self-reported quarterly. Filing count = filings mentioning this bill (no position required), not money spent on it. Click a client to see all bills they've filed on.
Cosponsors (2)
Members who signed on to support this bill.