Promoting New Bank Formation Act of 2025

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Introduced in Senate Jan 16, 2025 · 1.3K words Open full page ↗

119TH CONGRESS

1ST SESSION

S. 113

To require the appropriate Federal banking agencies to establish a 3-year

phase-in period for de novo financial institutions to comply with Federal

capital standards, to provide relief for de novo rural community banks,

and for other purposes.

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base Introduced — base rate 2%, measured from US's completed sessions
Momentum -7 17/100 from the pace of recorded action
Time since last action -22 633 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.