Bank-Fintech Partnership Enhancement Act

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6552 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 6552

 To require the Board of Governors of the Federal Reserve System, the 
    Comptroller of the Currency, and the Federal Deposit Insurance 
  Corporation to study how partnerships between fintechs and banking 
   organizations can support new banking organization formation and 
             community bank health, and for other purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                           December 10, 2025

   Mr. Barr introduced the following bill; which was referred to the 
                    Committee on Financial Services

_______________________________________________________________________

                                 A BILL


 
 To require the Board of Governors of the Federal Reserve System, the 
    Comptroller of the Currency, and the Federal Deposit Insurance 
  Corporation to study how partnerships between fintechs and banking 
   organizations can support new banking organization formation and 
             community bank health, and for other purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Bank-Fintech Partnership Enhancement 
Act''.

SEC. 2. STUDY ON BANK-FINTECH PARTNERSHIPS.

    (a) Study.--The Board of Governors of the Federal Reserve System, 
the Comptroller of the Currency, and the Federal Deposit Insurance 
Corporation shall carry out a study of--
            (1) how partnerships between banking organizations, on the 
        one hand, and financial technology companies, on the other 
        hand, can support formation of new banking organizations and 
        community bank health, including the extent to which these 
        partnerships reduce time to market for products and services, 
        lower compliance burdens, boost customer acquisition, improve 
        technological capabilities, and provide access to more diverse 
        funding sources; and
            (2) what changes to Federal laws governing banking 
        organizations, or to rules or guidance adopted by the Board of 
        Governors of the Federal Reserve System, the Comptroller of the 
        Currency, or the Federal Deposit Insurance Corporation, may 
        help promote effective partnerships between banking 
        organizations, on the one hand, and financial technology 
        companies, on the other hand.
    (b) Report.--Not later than 6 months after the date of enactment of 
this Act, the Board of Governors of the Federal Reserve System, the 
Comptroller of the Currency, and the Federal Deposit Insurance 
Corporation shall issue a report to Congress containing all findings 
and determinations made in carrying out the study required under 
subsection (a).
    (c) Banking Organization Defined.--In this section, the term 
``banking organization'' means a depository institution holding company 
or an insured depository institution, as such terms are defined, 
respectively, under section 3 of the Federal Deposit Insurance Act (12 
U.S.C. 1813).
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