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.
About This Bill
Committee
Latest Action · December 18, 2025
Referred to the House Committee on Financial Services.
H.R. 6838 would require federal banking regulators—including the Federal Reserve, the FDIC, and credit union oversight boards—to consider economic growth as a factor when supervising banks and financial institutions. Currently, these agencies focus primarily on ensuring the safety and soundness of the financial system; this bill adds economic growth as an explicit consideration in their supervisory work. The legislation affects all banks and credit unions subject to federal oversight, as well as the banking agencies themselves that conduct examinations and set regulations. There is no specific funding or implementation timeline mentioned in the bill text. The measure represents a shift in regulatory philosophy toward balancing financial stability concerns with broader economic development goals.
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