HR 6570
· 119th Congress
· Finance and Financial Sector
Merger Agreement Approvals Clarity and Predictability Act
Sponsor
Latest action
Placed on the Union Calendar, Calendar No. 460.
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. 119-535.
Financial Services Committee
Feb 25, 2026
other
Placed on the Union Calendar, Calendar No. 460.
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 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.
+58
−9
28 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 6570 Introduced in House (IH)]
+[H.R. 6570 Reported in House (RH)]
<DOC>
+Union Calendar No. 460
119th CONGRESS
-1st Session
+2d Session
H. R. 6570
+
+[Report No. 119-535]
To require the Comptroller General of the United States to study the
use of commitments and conditions in connection with insured depository
@@ -21,6 +24,19 @@
Mr. Fitzgerald introduced the following bill; which was referred to the
Committee on Financial Services
+
+February 25, 2026
+
+Additional sponsor: 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]
_______________________________________________________________________
@@ -44,16 +60,24 @@
WITH INSURED DEPOSITORY INSTITUTION MERGER APPLICATIONS.
(a) Study.--The Comptroller General of the United States shall
-carry out a study on the use of commitments and conditions by Federal
-depository institution regulatory agencies in connection with insured
-depository institution merger applications. The study shall--
+carry out a study on the use of commitments, conditions, and other
+aspects of merger review procedures by Federal depository institution
+regulatory agencies in connection with insured depository institution
+merger applications. The study shall--
(1) include an evaluation of relevant quantifiable metrics;
-and
(2) review the extent to which the use of commitments and
conditions has aligned with statutory requirements, including a
review of whether the use of commitments and conditions has
-been influenced by extrastatutory issues or considerations.
-(b) Report.--Not later than 6 months after the date of enactment of
+been influenced by extrastatutory issues or considerations;
+(3) consider the benefits and risks of utilizing different
+merger review approaches and procedures in compliance with the
+law; and
+(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.
+(b) Report.--Not later than 1 year after the date of enactment of
this Act, the Comptroller General shall issue a report to Congress
containing all findings and determinations made in carrying out the
study required under subsection (a).
@@ -92,4 +116,29 @@
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. 460
+
+119th CONGRESS
+
+2d Session
+
+H. R. 6570
+
+[Report No. 119-535]
+
+_______________________________________________________________________
+
+A BILL
+
+To require the Comptroller General of the United States to study the
+use of commitments and conditions in connection with insured depository
+institution merger applications by Federal depository institution
+regulatory agencies to ensure they align with statutory requirements,
+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
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Cosponsors (1)
Members who signed on to support this bill.