FDIC could avoid selling failed banks to giant banks to prevent too much power in a few hands.
Currently, the Federal Deposit Insurance Corporation (FDIC) must choose the cheapest way to handle a failed bank. This bill would let the FDIC pick a slightly more expensive option if it means avoiding a sale to one of the biggest banks. This change aims to keep the banking system from becoming too concentrated among a few giant organizations.
Today, the Federal Deposit Insurance Corporation (FDIC) must generally resolve failed banks using the cheapest method for the Deposit Insurance Fund. This bill would change that, allowing the FDIC to choose a slightly more expensive option if it helps prevent too much power from building up in a few very large banks. It would also remove a rule that currently limits the FDIC from taking actions that might increase risk to the Deposit Insurance Fund when using this new power.
HR 6547 · 119th Congress · December 10, 2025 · AI Summary by gemini-2.5-flash · 9/10
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2 filings mentioned this bill
Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.