Bill Huizenga (R-MI)
Enhancing Bank Resolution Participation Act
A Republican bill with 1 Democratic cosponsor · See all 2 cosponsors
Last activity — Placed on the Union Calendar, Calendar No. 459.
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
This bill, known as the "Enhancing Bank Resolution Participation Act," directs the Comptroller of the Currency, the FDIC, and the Federal Reserve to conduct a joint study. The study focuses on shelf charters and modified bidder qualification processes. It examines the use of these tools since January 1, 2008, including their role in 2023 bank receiverships. The agencies must also look at the impact these processes have on financial stability and the availability of consumer financial products. Additionally, the study will evaluate the benefits and risks of private equity ownership of banks through these methods. Finally, the agencies are required to submit a report to House and Senate committees within one year of enactment.
Yes· 3 of 6
- Scored +1
Would households on low incomes be better off under this?
The study assesses the impact of banking processes on the availability of financial products and services for consumers.
- Scored +1
Would middle-income households be better off under this?
The study assesses the impact of banking processes on the availability of financial products and services for consumers.
- Scored +1
Would business owners be better off under this?
The study examines the potential role of private equity ownership in the banking sector.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Increased Competition and Diversity: The study will look at whether these processes could have expanded the pool of participants and resulted in greater competition and diversity in market outcomes (Section 2(a)(5)).
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Protection of Funds: The investigation aims to determine if these methods could have protected the Deposit Insurance Fund (Section 2(a)(5)(C)).
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Financial Stability: The study examines if these processes could have strengthened financial stability and reduced the need for emergency determinations by the Secretary of the Treasury (Section 2(a)(5)(D)).
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Consumer Services: The research will assess the impact of these processes on the availability of financial products and services provided to consumers (Section 2(a)(6)).
Potential Negative Impacts for People
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Risks of Private Equity Ownership: The study is tasked with identifying any benefits and risks associated with private equity ownership of banks through the use of shelf charters and modified bidder qualification processes (Section 2(a)(7)).
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Safety and Soundness Concerns: The study will investigate the impact of these processes on the safety and soundness of affected insured depository institutions (Section 2(a)(6)).
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 study examines the potential role of private equity ownership in the banking sector. Would households on low incomes be better off under this? — The study assesses the impact of banking processes on the availability of financial products and services for consumers. Would middle-income households be better off under this? — The study assesses the impact of banking processes on the availability of financial products and services for consumers.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill directs a study on how these banking processes impact the availability of financial products and services for consumers. Is this likely to grow the economy? — The study examines if shelf charters and modified bidder processes can expand market competition and diversity.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill requires federal agencies to submit a formal report of their findings to Congressional committees.
- 2/25/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-534.
- Placed on the Union Calendar, Calendar No. 459.
- 1/12/2026
- 1 Cosponsor added.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 51 - 0.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 1 Cosponsor added.
- 12/10/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
Josh GottheimerDemocrat · New Jersey
Michael LawlerRepublican · New York