Bank Competition Modernization Act

Summary

Bank Competition Modernization Act This bill allows financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic. Currently, regulators are prohibited from approving a bank acquisition, merger, or consolidation that would result in a monopoly, that would be in furtherance of a conspiracy or attempt to create a monopoly, the approval of which would substantially lessen competition, or that would otherwise restrain trade. The bill prohibits regulators from considering these factors for mergers that would result in an entity with less than $10 billion in assets. This threshold must be adjusted annually to reflect increases in the U.S. nominal gross domestic product.

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Documents

3 official files

• Reported in House

  Reported in House · EN · 4 November 2025

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• Reported to House

  summary · EN · 4 November 2025

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• Introduced in House

  Introduced in House · EN · 10 September 2025

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