Scott Fitzgerald (R-WI)
Merger Agreement Approvals Clarity and Predictability Act
A Republican bill with 1 Republican cosponsor · See the cosponsor
Last activity — Placed on the Union Calendar, Calendar No. 460.
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 "Merger Agreement Approvals Clarity and Predictability Act," directs the Comptroller General of the United States to conduct a specific study. The study focuses on how Federal depository institution regulatory agencies use commitments and conditions during the review of merger applications for insured depository institutions. It requires an evaluation of how these procedures align with statutory requirements and whether they are influenced by extrastatutory issues. Additionally, the study must look at the benefits and risks of different merger review approaches. The Comptroller General is also tasked with evaluating the impact of these procedures on financial stability, competition, and the availability of financial services. A report containing all findings must be issued to Congress within one year of the Act's enactment.
Yes· 3 of 8
- Scored +2
Does this give people more protection from unfair business practices?
The bill studies how merger review procedures affect the availability of financial products and services offered to consumers.
- Scored +2
Does this make what the government does easier for the public to see?
The bill requires a GAO study and report to Congress regarding the regulatory procedures used by depository institution agencies.
- Scored +1
Would households on low incomes be better off under this?
The study evaluates the impact of mergers on the availability of financial products and services which affects low-income consumers.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Oversight of Regulatory Agencies: The bill requires the Comptroller General to review whether regulatory agencies are using commitments and conditions in a way that aligns with statutory requirements or if they are being influenced by extrastatutory issues (Section 2(a)(2)).
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Evaluation of Financial Stability and Competition: The study will evaluate how merger review procedures and approved mergers impact financial stability, competition, and the availability of financial products and services offered by insured depository institutions (Section 2(a)(4)).
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Assessment of Procedure Risks and Benefits: By considering the benefits and risks of different merger review approaches, the study aims to ensure review procedures are in compliance with the law (Section 2(a)(3)).
Potential Negative Impacts for People
- No specific negative impacts or burdens are explicitly stated in the provided text.
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 evaluates how merger review procedures impact competition within the financial sector. Would high-income households be better off under this? — The study evaluates the impact of mergers on the availability of financial products and services which affects high-income consumers. Would households on low incomes be better off under this? — The study evaluates the impact of mergers on the availability of financial products and services which affects low-income consumers. Would middle-income households be better off under this? — The study evaluates the impact of mergers on the availability of financial products and services which affects middle-income consumers. Would people in rural areas be better off under this? — The study investigates how merger review procedures impact the availability of financial services. Would people in cities be better off under this? — The study investigates how merger review procedures impact the availability of financial services.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill studies how merger review procedures affect the availability of financial products and services offered to consumers.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill requires a GAO study and report to Congress regarding the regulatory procedures used by depository institution agencies.
- 2/25/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-535.
- Placed on the Union Calendar, Calendar No. 460.
- 1/9/2026
- 1 Cosponsor added.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 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.
Michael LawlerRepublican · New York