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Bank-Fintech Partnership Enhancement Act
H. R. 6552 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.
Summary
This bill requires the Federal Reserve, Comptroller of the Currency, and Federal Deposit Insurance Corporation to study partnerships between banking organizations and financial technology companies. The study must examine the impact of these partnerships on banking sector competition, innovation, consumer protection, and financial product availability, as well as how partnerships support formation of new banks and improve operational efficiency. The study must also identify changes to federal law or regulations that could promote effective partnerships. The National Credit Union Administration must conduct a similar study focused on credit union-fintech partnerships. Both sets of agencies must submit their reports to Congress within one year of enactment.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
- Rep. Barr, Andy [R-KY-6] (R-KY)
6 cosponsors
Money behind the sponsor
Top reported contributors to Andy Barr’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $274,323
- BANC OF CALIFORNIA $60,083
- APOLLO GLOBAL MANAGEMENT $32,200
- BLACKSTONE $28,900
- WELLS FARGO $23,366
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Andy Barr → · Outside spending →
Actions (7)
- Feb 25, 2026 Placed on the Union Calendar, Calendar No. 456. · house
- Feb 25, 2026 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-531. · house
- Dec 17, 2025 Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 0. · house
- Dec 17, 2025 Committee Consideration and Mark-up Session Held · house
- Dec 16, 2025 Committee Consideration and Mark-up Session Held · house
- Dec 10, 2025 Referred to the House Committee on Financial Services. · house
- Dec 10, 2025 Introduced in House
More bills on these subjects (8)
Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Committee action
What happened to this bill in committee — the meetings where it was considered and every recorded vote taken on it.
Meetings where this bill was on the agenda
Full text
IN THE HOUSE OF REPRESENTATIVES
December 10, 2025
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]
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.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Bank-Fintech Partnership Enhancement Act”.
SEC. 2. STUDY ON BANK-FINTECH PARTNERSHIPS.
(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) 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 Currency, or the Federal Deposit Insurance Corporation, may help promote effective partnerships between banking organizations, 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 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 and determinations made in carrying out the study required under subsection (a).
(c) Banking Organization Defined.—In this section, the term “banking organization” means a depository institution holding company 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).
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
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