Latest action: Placed on the Union Calendar, Calendar No. 609.
Bill is filed in its originating chamber and assigned a number.
Sponsor
Warren Davidson (R-OH)
Filed in the House.
Next: In Committee
Members of the committee(s) the bill was referred to
HR 425 would repeal financial sector regulations, though specific details are unavailable.
The problem
The bill's supporters believe existing financial regulations create excessive government oversight and burden financial institutions unfairly.
The proposal
The bill would eliminate or reduce regulations governing the financial sector, though exact provisions require the full text for clarity.
The impact
Financial institutions, businesses, investors, and consumers could experience changes in regulatory requirements, though specific effects depend on which rules are repealed.
Repealing financial regulations could lower costs for banks and financial companies. These savings might lead to lower fees for customers or increased lending availability.
Fewer regulations could allow financial institutions to operate more quickly and innovate more easily. This might increase competition and product availability.
Lighter regulation might stimulate financial sector expansion and job creation. A more flexible financial system could support broader economic development.
Repealing regulations could weaken safeguards against fraud, unfair practices, and risky behavior. Consumers might have fewer legal protections if financial institutions behave improperly.
Financial regulations exist partly to prevent crises. Removing them could increase risks of bank failures or market crashes that harm everyone.
Large financial firms benefit more from deregulation than individual savers. Small investors and lower-income people may face greater risks without oversight.
Post-2008 regulations like Dodd-Frank include protections consumers relied on after the financial crisis. Repealing them restores vulnerabilities that harmed millions previously.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
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Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
Senate LDA lobbying disclosures
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