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Study on Bank-Fintech Partnerships
Recent Bills/Study on Bank-Fintech Partnerships

Study on Bank-Fintech Partnerships

IntroducedDecember 10, 2025
In the House8 months ago
Intro
House
Senate
Pres
Ready for a House vote.
No date is set.
Finance and Financial SectorCongressional oversightCorporate finance and managementFinancial services and investmentsGovernment information and archivesGovernment studies and investigations
More:Bills in the HouseHouse Bills
Why This Matters

This bill aims to understand how partnerships between banks and financial technology companies can improve banking services and support new bank creation. It also seeks to identify any legal changes that could enhance these collaborations.

If you rely on banking services, this study could lead to better options and faster access to new financial products.
Who this affects
banking consumers · new bank or credit union founders
What this bill changes
  1. 1This bill requires a study on how banks and fintech? companies can work together.
  2. 2It looks at how these partnerships can help create new banks and improve services.
  3. 3The study will also explore changes to laws that could support these partnerships.

The debate

The case for

Restrictive regulatory attitudes make it prohibitively difficult for new banks to achieve profitability.

House Financial Services CommitteeMajority report
vs

The case against

No committee member filed a written objection. The committee approved it 53 to 0.

Go deeper

Read full document

Last changed 4 months ago · checked hourly

Bill Progress2 of 4
A bill has to pass the House and Senate, then go to the President.
Intro
House
Senate
Pres
IntroducedDec 10, 2025
Sponsors
See all 7 sponsors
HouseCurrent

Ready for a House vote.

No date is set.

Senate
President

The President

Donald Trump
President
Not Sent Yet
Related Bills
Senate bill with the same name
Senate Bill · S 4839
1 of 4 · In Committee
Bank-Fintech Partnership Enhancement Act
Similar bill
House Bill · HR 8278
3 of 4 · In the Senate
Improves Technology for Banking Oversight
Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act
·Economy
Similar bill
House Bill · HR 8671
1 of 4 · Introduced
Improves Fraud Detection for Community Banks
Bank Fraud Technology Advancement Act of 2026
·Technology