Bill · H.R. 6838· House(119-HR-6838)
To amend the Federal Credit Union Act, the Federal Deposit Insurance Act, the Revised Statutes, and the Federal Reserve Act to require Federal banking agencies to consider economic growth when conducting supervisory functions.
- Introduced
- 12/18/2025
- Last activity
- 12/18/2025 — Referred to the House Committee on Financial Services.
- Sponsored by
- Andy Barr
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
H.R. 6838 is a bill that would change how federal banking agencies handle their supervisory roles. It requires these agencies to consider economic growth alongside safety and soundness. The bill amends the Federal Credit Union Act, the Federal Deposit Insurance Act, the National Bank Act, and the Federal Reserve Act to include this mandate.
Yes· 3 of 9
Would business owners be better off under this?+6
Business owners benefit from a banking regulatory environment that prioritizes growth and accessibility of capital.
Is this likely to grow the economy?+5
The bill explicitly mandates that federal banking agencies consider economic growth in their supervisory functions.
Would people with substantial wealth be better off under this?+3
Growth-oriented banking policies often correlate with higher returns on financial investments.
The opposite
Does this give people more protection from unfair business practices?-2
Prioritizing economic growth alongside safety and soundness could potentially weaken strict regulatory oversight.
Who it would affect, and how
Potential Positive Impacts for People
- Economic Growth Consideration: By requiring the Board (Section 1(a)), the Corporation (Section 1(b)), the National Bank Act (Section 1(c)), and the Federal Reserve Act (Section 1(d)) to take economic growth into account, agencies may prioritize activities that support the growth of the economy.
Potential Negative Impacts for People
- Shift in Priority: In Section 1(c) of the National Bank Act, the bill strikes "safety and soundness" and replaces it with "safety, soundness, and economic growth," which changes the existing mandate for supervisory functions.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Business Owners+6Good For Billionaires+3Good For Farmers+3Good For High Net Worth Individuals+3Good For Ultra High Net Worth Individuals+3Good For High Income Households+2
- Economy And Finance
- Improves Economic Growth+5Improves Small Business Support+3Increases Job Creation+2Improves Consumer Protection-2
- 12/18/2025
- Referred to the House Committee on Financial Services.
- Introduced in House