Requires the Inspector General of each federal bank and credit union regulator to review, every three years, how that regulator handles merger applications for insured depository institutions.

Official title: Merger Process Review Act

Next stop House floor: awaiting a vote

Timeline each lane is a chamber; dates pull from congress.gov actions

House

Introduced 09-DEC-2025

Referred 09-DEC-2025

Approved by committee 17-DEC-2025

Reported 25-FEB-2026

On the calendar 25-FEB-2026

Key points

Requires the first review within 1 year of enactment, then a new review every 3 years.
Directs each review to measure application processing times, including mean and median, and to identify causes of delay.
Directs each review to assess effects on safety and soundness, financial stability, competition, and access to financial products, and to recommend process improvements.
Requires each Inspector General to report to Congress and publish the report online, and the regulator to publish a written response with an implementation plan.

AI-generated from the Reported in House text of 25-FEB-2026 · verify · report an error

Official CRS summary

Current. The Congressional Research Service's summary covers the bill's latest wording (Reported to House, 25-FEB-2026).

CRS is the Library of Congress's nonpartisan research office. Read it on congress.gov

Committee referrals (1)

Policy area

Finance and Financial Sector

Sponsor Roger Williams (R-TX) Cosponsors · 2

■ 2 R

2 Republicans

congress.gov page Reported in House (25-FEB-2026) Introduced in House (09-DEC-2025)