PEACE Act of 2025

House Bill

H.R. 4346

119th Congress

PEACE Act of 2025

Placed on the Union Calendar, Calendar No. 277.

Introduced:Jul 10, 2025

Primary Sponsor

Chellie Pingree

Representative

Democratic

ME-1

Cosponsors

8

Quick Stats

Policy Area

Finance and Financial Sector

Summary

This bill would allow smaller bank holding companies to operate with higher levels of debt compared to larger banks. It aims to provide regulatory relief for smaller banks and make it easier for them to access capital and credit.

Latest Action

Referred to the House Committee on Financial Services.

SponsorChellie Pingree (D-ME)

Introduced7/10/2025

StatusPlaced on the Union Calendar, Calendar No. 277.

ChamberHouse

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Vote Prediction

PEACE Act of 2025

This bill would allow smaller bank holding companies to operate with higher levels of debt compared to larger banks. It aims to provide regulatory relief for smaller banks and make it easier for them to access capital and credit.

Community Breakdown

Pass

0%

Fail

0%

0 predictions

This bill would allow smaller bank holding companies to operate with higher levels of debt compared to larger banks. It aims to provide regulatory relief for smaller banks and make it easier for them to access capital and credit.

Bill Number: 4346
Sponsor: Chellie Pingree (D-ME)
Introduced: 7/10/2025
Status: Placed on the Union Calendar, Calendar No. 277.
Policy Area: Finance and Financial Sector

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: PEACE Act of 2025
Bill Number: 4346
Sponsor: Chellie Pingree (D-ME)
Status: Placed on the Union Calendar, Calendar No. 277.
Introduced: 7/10/2025
Summary: This bill would allow smaller bank holding companies to operate with higher levels of debt compared to larger banks. It aims to provide regulatory relief for smaller banks and make it easier for them to access capital and credit.

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill would allow smaller bank holding companies to operate with higher levels of debt compared to larger banks. It aims to provide regulatory relief for smaller banks and make it easier for them to access capital and credit.

Last updated: 12/30/2025

Official Summary

Congressional Research Service summary

Small Bank Holding Company Relief Act of 2023 This bill requires the Federal Reserve Board to raise the consolidated asset threshold under which a specified policy statement applies to small bank holding companies. The policy statement allows small bank holding companies to operate with higher debt levels than would be allowed for larger bank holding companies.

Key Points

Main provisions of the bill

Raises the asset threshold under which a Federal Reserve policy statement applies to small bank holding companies, allowing them to operate with higher debt levels.
Provides regulatory relief for smaller banks, which may make it easier for them to access capital and credit.
Targets bank holding companies, which are companies that own or control one or more banks.

How This Impacts Americans

Potential effects on citizens and communities

If this bill becomes law, it would primarily affect small bank holding companies, defined as those below a certain asset threshold. This could make it easier for these smaller banks to borrow money and expand their operations, potentially increasing their competitiveness with larger banks. Consumers who use these smaller banks may see some changes, such as more lending options or new financial products.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

4346, 119th Congress (2025). "PEACE Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-4346

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