Bills · HR 2835
REPORTED· 119TH CONGRESS
House BillHR 2835Banking and financial institutions regulationFederal Reserve System
Small Bank Holding Company Relief Act
INTRO APR 10· LAST ACTION JUL 15
READING
2MIN
COSPONSORS
6
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Reported, not passed
LEGISLATIVE PROGRESS
STEP 3 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenVoters should care about this bill because it changes how the government regulates a significant portion of the financial industry. By increasing the asset threshold for 'small' bank holding companies, the bill effectively loosens certain financial rules for institutions that fall within the new $3 billion to $25 billion range. This could mean these companies have more capital available for lending or investments, potentially stimulating local economies or making credit more accessible.
However, it also means these companies would operate with less oversight regarding their debt and capital structures, which some argue could introduce more risk into the financial system, though proponents would counter that these institutions are not 'too big to fail' and the reduced burden outweighs the risk. If the bill doesn't pass, these companies would continue to operate under the current, more stringent regulatory framework, which supporters argue stifles growth and efficiency for mid-sized financial players.
KEY PROVISIONS
3AI-extractedPROVISION 01
The bill mandates that the Federal Reserve Board increase the consolidated asset threshold for 'small' bank and savings and loan holding companies.
This change allows a larger number of financial companies to qualify for a less stringent regulatory framework, reducing their compliance burden.
PROVISION 02
The new threshold for what qualifies as a 'small' company will be set at $25,000,000,000 (twenty-five billion dollars).
This significantly raises the bar from the current $3 billion threshold, encompassing many more mid-sized financial institutions.
PROVISION 03
The Federal Reserve must implement these changes within 180 days after the bill becomes law.
This sets a clear timeline for the regulatory agency to update its policies and for the new rules to take effect.
SPONSORSHIP
1 + 6
R· Florida
YRS IN OFFICE
5
BILLS LED
28
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 0 REP 6 IND 0
ACTION TIMELINE
6 EVENTSJUL 15
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-202.
JUL 15
Placed on the Union Calendar, Calendar No. 165.
JUN 10
Committee Consideration and Mark-up Session Held
JUN 10
Ordered to be Reported (Amended) by the Yeas and Nays: 30 - 20.
BILL INFO
TypeHouse Bill
NumberHR 2835
Congress119th
StatusReported
IntroducedApr 10, 2025
Last actionJul 15, 2025
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REPORTED· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED APR 10, 2025
House BillHR 2835Banking and financial institutions regulationFederal Reserve System
Small Bank Holding Company Relief Act
INTRODUCED APR 10, 2025· LAST ACTION JUL 15, 2025
PASSAGE CHANCES
—%
READING
2 min
COSPONSORS
6
COMPLEXITY
Moderate
