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H.R. 4293 (115th): Stress Test Improvement Act of 2017

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About the bill

Source: Republican Policy Committee

H.R. 4293 improves the stress testing process for bank holding companies. Specifically, the bill improves the process by:

  • Requiring certain bank holding companies to conduct company-run stress tests once a year rather than semiannually;
  • Reduces the number of supervisory scenarios from three to two—the baseline and severely adverse scenario;
  • Does away with mid-year stress tests;
  • Prohibits the Federal Reserve from objecting to a bank holding company’s capital plan based on qualitative deficiencies.

The Federal Reserve (Fed) administers a set of “stress tests” to determine the ability of U.S. banks to withstand periods of economic turmoil. Title I of Dodd-Frank requires company-run stress tests for any (bank or nonbank) financial firm with more than $10 billion in assets and Fed-run stress tests (called DFAST) for any bank holding company or nonbank …

Sponsor and status

Lee Zeldin

Sponsor. Representative for New York's 1st congressional district. Republican.

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Last Updated: Apr 12, 2018
Length: 4 pages
Nov 7, 2017
115th Congress (2017–2019)
Died in a previous Congress

This bill was introduced in a previous session of Congress and was passed by the House on April 11, 2018 but was never passed by the Senate.

Although this bill was not enacted, its provisions could have become law by being included in another bill. It is common for legislative text to be introduced concurrently in multiple bills (called companion bills), re-introduced in subsequent sessions of Congress in new bills, or added to larger bills (sometimes called omnibus bills).


2 Cosponsors (2 Democrats)


Position statements

What legislators are saying

Rep. Zeldins Bipartisan Stress Test Improvement Act, to Safeguard Capital and Protect Consumers, Passes House
    — Rep. Lee Zeldin [R-NY1] (Sponsor) on Apr 11, 2018

THIS WEEK IN CONGRESS - April 13, 2018
    — Rep. Gregorio Sablan [D-MP] on Apr 16, 2018

On the House Floor This Week - 4/9/18
    — Rep. John K. Delaney [D-MD6, 2013-2018] on Apr 9, 2018

More statements at ProPublica Represent...

What stakeholders are saying

R Street Institute estimates H.R. 4293 will add $16 million in new spending through 2027.


Nov 7, 2017

Bills and resolutions are referred to committees which debate the bill before possibly sending it on to the whole chamber.

Nov 14, 2017
Considered by House Committee on Financial Services

A committee held a hearing or business meeting about the bill.

Nov 15, 2017
Ordered Reported

A committee has voted to issue a report to the full chamber recommending that the bill be considered further. Only about 1 in 4 bills are reported out of committee.

Mar 13, 2018
Reported by House Committee on Financial Services

A committee issued a report on the bill, which often provides helpful explanatory background on the issue addressed by the bill and the bill's intentions.

Apr 11, 2018
Passed House (Senate next)

The bill was passed in a vote in the House. It goes to the Senate next.

H.R. 4293 (115th) was a bill in the United States Congress.

A bill must be passed by both the House and Senate in identical form and then be signed by the President to become law.

Bills numbers restart every two years. That means there are other bills with the number H.R. 4293. This is the one from the 115th Congress.

This bill was introduced in the 115th Congress, which met from Jan 3, 2017 to Jan 3, 2019. Legislation not passed by the end of a Congress is cleared from the books.

How to cite this information.

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“H.R. 4293 — 115th Congress: Stress Test Improvement Act of 2017.” 2017. September 29, 2022 <>

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