Contact Congress about H.R. 1900: Bank Failure Prevention Act of 2025

Federal regulators would get 90 days to approve or deny bank merger applications, or the deal goes through automatically. The bill also stops agencies from using outside reports to delay declaring an application complete.

Modern Action shows what the legislation would change, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

Bank Failure Prevention Act of 2025 is a House bill waiting for floor action. The latest recorded action: Placed on the Union Calendar, Calendar No. 101.

Latest action on H.R. 1900: Placed on the Union Calendar, Calendar No. 101.

Who this affects: This bill directly impacts banks and financial holding companies seeking to merge or acquire other institutions, the federal agencies that review those deals, and indirectly the communities and consumers served by the banks involved.

Why this matters: Bank mergers affect competition, access to banking services, and financial stability. This bill shifts the balance of power toward applicants and away from regulators by putting hard limits on review time. If agencies cannot keep up, deals go through without explicit approval, which could matter a great deal during periods of financial stress or when large, complex mergers are proposed.

Key provisions in H.R. 1900

• The Federal Reserve must send bank and savings-and-loan holding company applicants a letter within 30 days saying whether their application is complete or listing what else is needed, with an optional extra 30 days for complex cases.
• The agency handling insured bank merger applications must follow the same 30-day (plus optional 30-day) timeline for telling applicants whether their file is complete.
• Once an applicant responds to a request for more information, the application is automatically treated as complete unless the agency finds the response seriously lacking and sends a detailed explanation within 30 days.
• Agencies cannot use outside information, such as third-party reports or public comments, when deciding whether an application file is complete. This restriction only applies to the completeness decision, not to the final approval or denial.
• The Federal Reserve and other responsible agencies must approve or deny covered applications within 90 days of the initial submission date, regardless of when the file is considered complete.

How Modern Action helps you take action on H.R. 1900

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 1900

What is H.R. 1900?

Federal regulators would get 90 days to approve or deny bank merger applications, or the deal goes through automatically. The bill also stops agencies from using outside reports to delay declaring an application complete.

How do I support or oppose H.R. 1900?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 1900?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

How does Modern Action help me act on H.R. 1900?

Modern Action gives you bill-specific context, lets you choose support, opposition, or changes, and drafts a message from your position and reasons.