Closing the Enhanced Prudential Standards Loophole Act

Cost and committee reports

Official records Congress.gov attaches to H.R. 4210.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Ms. WATERS, as printed in the Congressional Record (Vol. 169, No. 107, June 20, 2023, Page H2991):
  Article I, Section 8, clause 3 provides Congress with the power to ``regulate commerce with foreign nations, and among the several states, and with the Indian tribes.'' The single subject of this legislation is: Closes a loophole that allowed large banks like Signature Bank and First Republic Bank to escape Dodd-Frank's enhanced prudential standards simply because they did not have a bank holding company.
  Source: Congress.gov, Congressional Record June 20, 2023 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  408 characters

  Congress.gov bill record

  H.R. 4210, 118th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/118/hr/4210

  Record last updated by Congress.gov

  May 27, 2025

  PORKER copy retrieved

  September 14, 2026

  Stored copy, SHA-256 of the file

  34aa4f76fb6d097784c2d0953e9cd7c62a836b8074d4b683793849c4fa85ee02

  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 CBO cost estimate or a committee report (as of May 27, 2025). Not every bill gets one.

From the Congress.gov bill record for H.R. 4210, last updated May 27, 2025. PORKER’s copy was retrieved September 14, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.