To amend the Bank Holding Company Act of 1956 to require agencies to make considerations relating to the promotion of efficiency, competition, and capital formation before issuing or modifying certain regulations.

Cost and committee reports

Official records Congress.gov attaches to H.R. 3913.

• CBO cost estimateThe Congressional Budget Office published “H.R. 3913, a bill to amend the Bank Holding Company Act of 1956 to require agencies to make considerations relating to the promotion of efficiency, competition, and capital formation before issuing or modifying certain regulations” on October 23, 2014. CBO’s description reads “As ordered reported by the House Committee on Financial Services on July 30, 2014”.
  Read the CBO estimate ↗Source: Congressional Budget Office, October 23, 2014 ↗

  Evidence

  Field in the Congress.gov record

  cboCostEstimates

  CBO publication

  https://www.cbo.gov/publication/49491

  CBO publication date

  October 23, 2014

  Congress.gov bill record

  H.R. 3913, 113th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/113/hr/3913

  Record last updated by Congress.gov

  April 7, 2025

  PORKER copy retrieved

  September 23, 2026

  Stored copy, SHA-256 of the file

  b1c38bef5545f69caef40d24f3c1e5c2089ed9833124ea18b98052c505df851c

• PORKER links to the estimate and does not repeat its dollar figures. Each estimate is for the version of the bill its description names; the bill may have changed since.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. DUFFY, as printed in the Congressional Record (Page H1242):
  Article 1, Section 8: To make all Laws which shall be necessary and proper for carrying into Execution the foregoing Powers, and all other Powers vested by this Constitution in the Government of the United States, or in any Department or Officer thereof.
  Source: Congress.gov, record updated April 7, 2025 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  254 characters

  Congress.gov bill record

  H.R. 3913, 113th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/113/hr/3913

  Record last updated by Congress.gov

  April 7, 2025

  PORKER copy retrieved

  September 23, 2026

  Stored copy, SHA-256 of the file

  b1c38bef5545f69caef40d24f3c1e5c2089ed9833124ea18b98052c505df851c

  PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.

Congress.gov’s record for this bill does not list a committee report (as of April 7, 2025). Not every bill gets one.

From the Congress.gov bill record for H.R. 3913, last updated April 7, 2025. PORKER’s copy was retrieved September 23, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.