House bill · 119th Congress · Latest step: Passed House
Failing Bank Acquisition Fairness Act
Official title: To prohibit the use of certain concentration limit exceptions with respect to mergers involving a failed bank unless the applicable agency determines such use is necessary to prevent significant economic disruption or significant adverse effects on financial stability, and for other purposes.
Sponsor: Rep. Stephen Lynch D-MAWhere it went
- IntroducedDec 10, 2025
- Committee actionDec 16, 2025
- Passed HouseJul 14, 2026 · by voice vote
- Passed Senate—
- To the President—
- Became law—
Latest action: Jul 15, 2026 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Cost and committee reports
Official records Congress.gov attaches to H.R. 6556.
- Committee reportCongress.gov lists 1 committee report for this bill: H. Rept. 119-475 ↗. The Congress.gov committee record lists a “Reported By” entry for the Financial Services Committee on February 2, 2026.Source: Congress.gov, reported February 2, 2026 ↗
Evidence
- Field in the Congress.gov record
- committeeReports
- Report API records
- https://api.congress.gov/v3/committee-report/119/HRPT/475
- Congress.gov bill record
- H.R. 6556, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/6556
- Record last updated by Congress.gov
- September 19, 2026
- PORKER copy retrieved
- September 24, 2026
- Stored copy, SHA-256 of the file
f5cdc95e3c0e1667475635846f0c6fed35e64ea154b840c83de8129cd74fa4ac
A committee report is the committee’s own explanation of the bill. PORKER lists it and links to it; reading it is up to you.
- Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. LYNCH, as printed in the Congressional Record (Vol. 171, No. 208, December 10, 2025, Page H5561):Article 1, Section 8, Cl. 18Source: Congress.gov, Congressional Record December 10, 2025 ↗
Evidence
- Field in the Congress.gov record
- constitutionalAuthorityStatementText
- Statement length
- 28 characters
- Congress.gov bill record
- H.R. 6556, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/6556
- Record last updated by Congress.gov
- September 19, 2026
- PORKER copy retrieved
- September 24, 2026
- Stored copy, SHA-256 of the file
f5cdc95e3c0e1667475635846f0c6fed35e64ea154b840c83de8129cd74fa4ac
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 (as of September 19, 2026). Not every bill gets one.
From the Congress.gov bill record for H.R. 6556, last updated September 19, 2026. PORKER’s copy was retrieved September 24, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.
Vote results
No recorded roll-call votes on this bill in PORKER’s records (voice votes and unanimous consent are not roll calls; roll-call records start in 2011).
Cosponsors
1 cosponsor — 1 Democrat
0 of 1 cosponsors (0%) are from the other party.
More from the sponsor
Other 119th Congress bills sponsored by Rep. Stephen Lynch.
- H.Res. 316 (119th) Of inquiry requesting the President to transmit certain documents relating to the use of insecure electronic communication platforms…
- H.R. 5344 (119th) Kleptocracy Asset Recovery Rewards Program Act
- H.Res. 70 (119th) Expressing the sense of the House of Representatives that Congress should take all appropriate measures to ensure that the United States…
- H.R. 8666 (119th) Vote by Mail Protection Act of 2026
- H.R. 1484 (119th) Air Traffic Noise and Pollution Expert Consensus Act of 2025
- H.R. 7183 (119th) Youth Financial Learning Act
Sponsor’s state and district
Data as of Sep 25, 2026 · bill record checked by PORKER from Congress.gov · votes from Senate.gov and the House Clerk. PORKER is non-partisan.