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Small Bank Relief: Asset Threshold Increase for Bank Holding Companies

This new act raises the asset threshold for small bank and savings and loan holding companies to $25 billion. This means more smaller financial institutions will qualify for simplified regulations, potentially leading to greater operational flexibility and better access to financial services for citizens.
Key points
The asset limit for small bank holding companies is increased to $25 billion.
The Federal Reserve System has 180 days to implement these regulatory changes.
The change aims to reduce regulatory burdens for smaller financial institutions.
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Status: Placed on Calendar
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Additional Information
Print number: 119_HR_2835
Sponsor: Rep. Donalds, Byron [R-FL-19]
Process start date: 2025-04-10
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-2.5-flash
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Small Bank Holding Company Relief Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_2835.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-04-10.

What are the main provisions?

Key points include:

  • The asset limit for small bank holding companies is increased to $25 billion.
  • The Federal Reserve System has 180 days to implement these regulatory changes.
  • The change aims to reduce regulatory burdens for smaller financial institutions.
What is the specific legal status?

The current status is Placed on Calendar.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Donalds, Byron [R-FL-19].

What is the latest detailed status?

The latest detailed status is: Placed on the Union Calendar, Calendar No. 165.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-22.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Economy