Introduced in House — H.R. 7888

119th CONGRESS

2d Session

H. R. 7888

IN THE HOUSE OF REPRESENTATIVES

March 9, 2026

Ms. Waters introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To amend the Financial Stability Act of 2010 to apply the enhanced supervision and prudential standards applicable under such Act with respect to bank holding companies to large banks that do not have a bank holding company, and for other purposes.

Section 1. Short title

This Act may be cited as the Closing the Enhanced Prudential Standards Loophole Act.

Sec. 2. Enhanced supervision and prudential standards for banks with no bank holding company

Section 165 of the Financial Stability Act of 2010 (12 U.S.C. 5365) is amended by adding at the end the following:

(l) Application to banks with no bank holding company
The provisions of this section shall apply to a bank that does not have a bank holding company to the same extent as such provisions apply to a bank holding company with the same amount of total consolidated assets as the bank.