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H.R. 4545 (115th): Financial Institutions Examination Fairness and Reform Act

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About the bill

Source: Republican Policy Committee

H.R. 4545 amends the Federal Financial Institutions Examination Council Act of 1978 to require federal financial regulatory agencies provide a final examination report to a financial institution within 60 days after either the exit interview for an examination of the institution or the provision of additional information by the institution relating to the examination, whichever happens later.

In addition, the bill establishes an Office of Independent Examination Review in the Federal Financial Institutions Examination Council (FFIEC) headed by an independent Director. Financial institutions are entitled to appeal a material supervisory determination contained in a final report of examination to the Office of Independent Examination Review, and the Director is required to determine the merits of the appeal. The Director is also required to grant a financial institution the right to …

Sponsor and status

Scott Tipton

Sponsor. Representative for Colorado's 3rd congressional district. Republican.

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Last Updated: Mar 19, 2018
Length: 15 pages
Dec 4, 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 March 15, 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).


7 Cosponsors (5 Republicans, 2 Democrats)


Position statements

What legislators are saying

Tipton Legislation to Increase Transparency, Timeliness for Community Banks in Examination Appeals Process Passes House
    — Rep. Scott Tipton [R-CO3, 2011-2020] (Sponsor) on Mar 15, 2018

Tipton and Maloney Legislation Ensuring Fair Treatment during Examination Appeals Process Passes Out of Committee
    — Rep. Carolyn Maloney [D-NY12] (Co-sponsor) on Dec 14, 2017

Shea-Porter Statement on Latest House Bill to Weaken Wall Street Reform
    — Rep. Carol Shea-Porter [D-NH1, 2017-2018] on Mar 15, 2018

More statements at ProPublica Represent...

What stakeholders are saying

R Street Institute estimates H.R. 4545 will add $158 million in new spending through 2027.


Dec 4, 2017

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

Dec 12, 2017
Considered by House Committee on Financial Services

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

Dec 13, 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 6, 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.

Mar 15, 2018
Passed House (Senate next)

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

H.R. 4545 (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. 4545. 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. 4545 — 115th Congress: Financial Institutions Examination Fairness and Reform Act.” 2017. October 2, 2022 <>

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