Andy Barr (R-KY)
Bank-Fintech Partnership Enhancement Act
A Republican bill with 2 Democratic cosponsors · See all 6 cosponsors
Last activity — Placed on the Union Calendar, Calendar No. 456.
Cleared committee, waiting for its first floor vote
A committee approved it and it is on the calendar of the chamber it started in.
This is further than most bills get, and still no promise of a vote: the calendar is a queue, and the majority leadership decides what is called. A bill can sit here until the Congress ends.
Its path through Congress
- Introduced
- On Calendar
What this bill would do
The Bank-Fintech Partnership Enhancement Act directs federal agencies to investigate how partnerships between financial technology companies and traditional banking organizations impact the financial sector. The Federal Reserve, the Comptroller of the Currency, and the FDIC are tasked with studying these partnerships' effects on competition, innovation, and consumer protection. This study aims to see if such partnerships help form new banking organizations or improve the health of community banks. Additionally, the National Credit Union Administration is required to conduct a similar study regarding partnerships with credit unions. All agencies must submit their findings and reports to Congress within one year of the Act's enactment.
Yes· 3 of 7
- Scored +3
Would business owners be better off under this?
The bill studies how fintech partnerships can help form new banking organizations and lower compliance burdens.
- Scored +3
Does this make it easier to run a small business?
The bill directs studies into how fintech partnerships might improve the health of community banks.
- Scored +2
Does this make what the government does easier for the public to see?
The bill requires federal agencies to submit their research findings and reports to Congress.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Improved Financial Services: The study looks at how fintech partnerships might increase the availability of financial products and services, which could benefit consumers (Section 2(a)(1)).
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Increased Innovation and Competition: The investigation explores how these partnerships affect competition and innovation within the banking and credit union sectors (Section 2(a)(1) and Section 3(a)(1)).
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Potential for Better Technology and Lower Costs: The bill aims to determine if these partnerships can reduce time to market for products, lower compliance burdens, improve technological capabilities, and boost customer acquisition (Section 2(a)(1) and Section 3(a)(1)).
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Enhanced Funding Access: The study will examine if these partnerships provide access to more diverse funding sources (Section 2(a)(1) and Section 3(a)(1)).
Potential Negative Impacts for People
- Consumer Protection Risks: The bill includes the study of how these partnerships impact consumer protection, which implies a need to investigate potential negative effects on consumers (Section 2(a)(1) and Section 3(a)(1)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — The bill studies how fintech partnerships can help form new banking organizations and lower compliance burdens. Would households on low incomes be better off under this? — The study examines if partnerships improve the availability of financial products and services. Would middle-income households be better off under this? — The study examines if partnerships improve the availability of financial products and services.
- Economy And Finance
- Does this make it easier to run a small business? — The bill directs studies into how fintech partnerships might improve the health of community banks. Does this give people more protection from unfair business practices? — The bill mandates that agencies investigate how banking-fintech partnerships impact consumer protection.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill requires federal agencies to submit their research findings and reports to Congress.
- Education And Technology
- Does this get reliable internet to more people? — The study examines how fintech partnerships can improve technological capabilities for banking services.
- 2/25/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-531.
- Placed on the Union Calendar, Calendar No. 456.
- 1/9/2026
- 1 Cosponsor added.
- 1/7/2026
- 1 Cosponsor added.
- 12/18/2025
- 1 Cosponsor added.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 0.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 3 Cosponsors added.
- 12/10/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Warren DavidsonRepublican · Ohio
Josh GottheimerDemocrat · New Jersey
Michael LawlerRepublican · New York
Jared MoskowitzDemocrat · Florida
Tim MooreRepublican · North Carolina
Pete SessionsRepublican · Texas