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H.R. 6552

U.S. House•House Floor Calendar

Summary

H.R. 6552, the Bank-Fintech Partnership Enhancement Act, was introduced in the House on Dec 10, 2025 by Rep. Garland Barr (R) with 6 co-sponsors. It last saw action on Feb 25, 2026: Placed on the Union Calendar, Calendar No. 456.

Record

Text

H.R. 6552 has 6 co-sponsors.

hb6552/introduced-in-house.txt
119 HR 6552 IH: Bank-Fintech Partnership Enhancement Act
 U.S. House of Representatives
 2025-12-10
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 I  119th CONGRESS  1st Session  H. R. 6552  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.
1.
Short title
This Act may be cited as the   Bank-Fintech Partnership Enhancement Act  .
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 ).

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2025-12-10
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

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.

Sponsors

Rep. Garland Barr (R) sponsors H.R. 6552, and 6 members have co-sponsored it.

Committees

H.R. 6552 went before 1 committee: Financial Services.

Financial Services
Financial Services
Reported By · Feb 25, 2026 · 559 Bills

Reports

1 committee report has been filed on H.R. 6552, the latest H. Rept. 119-531.

Actions

H.R. 6552 has taken 7 actions since Dec 10, 2025, the latest on Feb 25, 2026.

ChamberAction
Feb 25, 2026
House
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-531.Financial Services Committee
Feb 25, 2026
House
Placed on the Union Calendar, Calendar No. 456.
Dec 17, 2025
House
Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 0.Financial Services Committee
Dec 17, 2025
House
Committee Consideration and Mark-up Session HeldFinancial Services Committee
Dec 16, 2025
House
Committee Consideration and Mark-up Session HeldFinancial Services Committee

Votes

H.R. 6552 has not gone to a roll call.

1 bill is related to H.R. 6552.

Titles

H.R. 6552 goes by 4 titles, 2 of them short titles.

  • Bank-Fintech Partnership Enhancement Act — Short Title(s) as Reported to House
  • Bank-Fintech Partnership Enhancement Act — Display Title
  • Bank-Fintech Partnership Enhancement Act — Short Title(s) as Introduced
  • 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. — Official Title as Introduced

Lobbying

4 clients hired 4 firms and 21 registered lobbyists who named H.R. 6552 in 8 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Banking, Housing, Agriculture, Taxation/Internal Revenue Code, Financial Institutions/Investments/Securities, Budget/Appropriations, Civil Rights/Civil Liberties, Consumer Issues/Safety/Products.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
AMERICAN FINTECH COUNCILTrade association representing the largest fintech companies and innovative BaaS banksDistrict of Columbia13—
INDEPENDENT COMMUNITY BANKERS OF AMERICA—District of Columbia13—
CONFERENCE OF PROVINCIALS OF NORTH AMERICA—Missouri11$20K
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP—District of Columbia11—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
AMERICAN FINTECH COUNCIL13—
INDEPENDENT COMMUNITY BANKERS OF AMERICA13—
CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP11—
NATIONAL ADVOCACY CENTER OF THE SISTERS OF THE GOOD SHEPHERD11$20K

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 21.

LobbyistFirmsClientsFilings
AMBER MILENKEVICH113
BRIAN LAVERDURE113
CHARLES YI113
HAYDEN COLE113
IAN MOLONEY113
JAMES KELLER113
JENNA BURKE113
LILLIANE THOMAS113
MARK SCANLAN113
MICHAEL EMANCIPATOR113
MICHAEL MARSHALL113
PAUL MERSKI113
REBECA ROMERO RAINEY113
SAMUEL BEAVER113
STEPHEN KEEN113
SUSAN KINNEY113
TIMOTHY ROY113
WALTER HAYNIE113
CHRISTOPHER SHARER111
DAVID FERREIRA111

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
INDEPENDENT COMMUNITY BANKERS OF AMERICAINDEPENDENT COMMUNITY BANKERS OF AMERICA2026 second_quarter$2.2M2nd Quarter - Report
INDEPENDENT COMMUNITY BANKERS OF AMERICAINDEPENDENT COMMUNITY BANKERS OF AMERICA2025 fourth_quarter$1.3M4th Quarter - Report
INDEPENDENT COMMUNITY BANKERS OF AMERICAINDEPENDENT COMMUNITY BANKERS OF AMERICA2026 first_quarter$890K1st Quarter - Report
AMERICAN FINTECH COUNCILAMERICAN FINTECH COUNCIL2026 second_quarter$110K2nd Quarter - Report
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELPCENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP2026 second_quarter$90K2nd Quarter - Report
AMERICAN FINTECH COUNCILAMERICAN FINTECH COUNCIL2026 first_quarter$70K1st Quarter - Report
AMERICAN FINTECH COUNCILAMERICAN FINTECH COUNCIL2025 fourth_quarter$60K4th Quarter - Report
CONFERENCE OF PROVINCIALS OF NORTH AMERICANATIONAL ADVOCACY CENTER OF THE SISTERS OF THE GOOD SHEPHERD2025 fourth_quarter$20K4th Quarter - Report

Classification

The Congressional Research Service files H.R. 6552 under Finance and Financial Sector, one of its 31 policy areas, and gives it 5 legislative subjects.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 6552’s is Finance and Financial Sector.

hr6552/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Legislative Subjects

H.R. 6552 carries 5 of CRS’s legislative subjects, from Congressional oversight to Government studies and investigations.

hr6552/subjects.txt
Congressional oversightCorporate finance and managementFinancial services and investmentsGovernment information and archivesGovernment studies and investigations

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 6552, as entered in the Congressional Record.

[Congressional Record Volume 171, Number 208 (Wednesday, December 10, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. BARR:H.R. 6552Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the United States Constitution.[Page H5561]

Source: congress.gov · legiscan.com