skip to main content

H.R. 4545: Financial Institutions Examination Fairness and Reform Act

Mar 15, 2018 at 4:10 p.m. ET. On Passage of the Bill in the House.

This was a vote to pass H.R. 4545 (115th) in the House.

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 petition for judicial review of the Director's decision. The FFIEC has authority to review, under certain circumstances, the appeal if there is substantial evidence that the Director's decision would pose an imminent threat to the safety and soundness of the financial institution.

Under this legislation, federal financial regulatory agencies are prohibited from retaliating against a financial institution for exercising their right to appeal a material supervisory determination contained in a final report of examination.

Finally, the bill amends the Riegle Community Development and Regulatory Improvement Act of 1994 to require the Consumer Financial Protection Bureau to establish an independent intra-agency appellate process in connection with the regulatory appeals process.

Source: Republican Policy Committee


All Votes R D
Yea 68%
Nay 32%
Not Voting

Passed. Simple Majority Required. Source:

Ideology Vote Chart

Republican - Yea Democrat - Yea Republican - Nay Democrat - Nay
Seat position based on our ideology score.

Cartogram Map

Each hexagon represents one congressional district. Solid hexes are Yea votes.

What you can do

Vote Details

Notes: The Speaker’s Vote? “Aye” or “Yea”?
Download as CSV

Statistically Notable Votes

Statistically notable votes are the votes that are most surprising, or least predictable, given how other members of each voter’s party voted and other factors.

All Votes

Study Guide

How well do you understand this vote? Use this study guide to find out.

You can find answers to most of the questions below here on the vote page. For a guide to understanding the bill this vote was about, see here.

What was the procedure for this vote?

  1. What was this vote on?
  2. Not all votes are meant to pass legislation. In the Senate some votes are not about legislation at all, since the Senate must vote to confirm presidential nominations to certain federal positions.

    This vote is related to a bill. However, that doesn’t necessarily tell you what it is about. Congress makes many decisions in the process of passing legislation, such as on the procedures for debating the bill, whether to change the bill before voting on passage, and even whether to vote on passage at all.

    You can learn more about the various motions used in Congress at If you aren’t sure what the House was voting on, try seeing if it’s on this list.

  3. What is the next step after this vote?
  4. Take a look at where this bill is in the legislative process. What might come next? Keep in mind what this specific vote was on, and the context of the bill. Will there be amendments? Will the other chamber of Congress vote on it, or let it die?

    For this question it may help to briefly examine the bill itself.

What is your analysis of this vote?

  1. What trends do you see in this vote?
  2. Members of Congress side together for many reasons beside being in the same political party, especially so for less prominent legislation or legislation specific to a certain region. What might have determined how the roll call came out in this case? Does it look like Members of Congress voted based on party, geography, or some other reason?

    One tool that will be helpful in answering this question is the cartogram at the top of the page. A cartogram is a stylized map of the United States that shows each district as an identical hexagon. This view allows you to see the how the representatives from each district voted arranged by their geography and colored by their political party. What trends can you see in the cartogram for this vote?

  3. How did your representative vote?
  4. There is one vote here that should be more important to you than all the others. These are the votes cast by your representative, which is meant to represent you and your community. Do you agree with how your representative voted? Why do you think they voted the way they did?

    If you don’t already know who your Members of Congress are you can find them by entering your address here.

Each vote’s study guide is a little different — we automatically choose which questions to include based on the information we have available about the vote. Study guides are a new feature to GovTrack. You can help us improve them by filling out this survey or by sending your feedback to