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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 66%
Nay 31%
Not Voting 3%

Passed. Simple Majority Required. Source:

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Notes: The Speaker’s Vote? “Aye” or “Yea”?
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Statistically Notable Votes

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