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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