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HR8278FEDERALSession 119Federal Billpassed chamber

Passed

Federal Financial Agencies Required to Assess Tech Capabilities and Procurement Under HR 8278

Original title: Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act

Last action · September 16, 2026: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.Sponsors: Marlin Stutzman and 1 other

Bill progressHistory & official text ↓

Introduced

Committee

Floor Vote

Passed

Law

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What This Bill Would Do

Federal financial regulatory agencies are required to assess their technological capabilities and procurement practices within 180 days and submit joint reports to congressional committees every five years. The measure aims to address outdated supervisory technology, improve real-time banking oversight, and manage risks associated with artificial intelligence and digital finance.

Why it matters

Financial regulators face mandatory evaluations of their computer infrastructure, contractor reliance, and data collection tools, which could alter how banks, credit unions, and other supervised institutions share regulatory data and report compliance.

Background

HR 8278 was introduced in the 119th Congress to modernize supervisory technologies used by federal banking and financial regulators. context

Who It Would Affect

Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.

Directly affected

Covered supervisory agencies

Federal financial regulatory agencies must conduct comprehensive assessments of their technology and procurement protocols and jointly report to congressional committees on a regular schedule.

Directly affected

Supervised depository institutions and financial firms

Financial institutions face potential reporting process changes, transition costs, and system modification requirements as regulators implement supervisory technology upgrades.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Which government bodies must conduct the technology assessments?

The requirement applies to the Board of Governors of the Federal Reserve System, the Bureau of Consumer Financial Protection, the Federal Deposit Insurance Corporation, the Department of the Treasury (including the Office of the Comptroller of the Currency and the Financial Crimes Enforcement Network), the Federal Housing Finance Agency, and the National Credit Union Administration.

What is the timeline for completing the assessments and reports?

Each covered agency must assess its technological capabilities and procurement practices within 180 days after the date of enactment. A joint report must then be submitted to congressional committees not later than 18 months after the completion of those assessments, with subsequent reports required every 5 years.

What specific information must be included in the periodic reports to Congress?

The reports must cover hardware and software overviews, procurement practices, workforce capabilities and contractor reliance, information-gathering processes, market technology trends and risks, interagency data-sharing descriptions, estimated costs for supervised entities to modify data-sharing systems, and plans for future technology upgrades.

What else do you want to know?

News Coverage

Coverage by outlet perspective1 article

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Congress Vote: The House has passed H.R. 8278 - Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act

Quiver QuantitativeSep 16, 2026

Bias ratings based on AllSides / Media Bias/Fact Check

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Where This Stands

Currently passed chamber. The next step in the legislative lifecycle is Law.

Procedural history

15 actions

Sep 16, 2026SenateCommittee
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sep 15, 2026House
Motion to reconsider laid on the table Agreed to without objection.
Sep 15, 2026HouseFloor
On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 417 - 7 (Roll no. 302). (text: CR H5605)
Sep 15, 2026HouseFloor
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 417 - 7 (Roll no. 302). (text: CR H5605)
Sep 15, 2026House
Considered as unfinished business. (consideration: CR H5822-5823)
Sep 14, 2026House
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.

Show 9 earlier actions

Sep 14, 2026House
DEBATE - The House proceeded with forty minutes of debate on H.R. 8278.
Sep 14, 2026House
Considered under suspension of the rules. (consideration: CR H5605-5608)
Sep 14, 2026House
Ms. De La Cruz moved to suspend the rules and pass the bill, as amended.
Jun 24, 2026House
Placed on the Union Calendar, Calendar No. 617.
Jun 24, 2026House
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-711.
May 13, 2026HouseCommittee
Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
May 13, 2026House
Committee Consideration and Mark-up Session Held
Apr 14, 2026HouseCommittee
Referred to the House Committee on Financial Services.
Apr 14, 2026HouseIntroduced
Introduced in House

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

Voting Record

Motion succeededHouse9/16/2026U.S. CongressOfficial roll call ↗

On Motion to Suspend the Rules and Pass, as Amended

Total

433

Yes: 417
No: 7
Present: 0
Not voting: 9
Abstain: 0

How they voted (425)

401 more members

Brian FitzpatrickRyes

Mark HarrisRyes

Mariannette Miller-MeeksRyes

Susie LeeDyes

Adriano EspaillatDyes

Troy BaldersonRyes

John CarterRyes

Thomas TiffanyRabsent

Maggie GoodlanderDyes

Jeff CrankRyes

Mary Gay ScanlonDyes

Michelle FischbachRyes

Teresa Leger FernandezDyes

Julie FedorchakRabsent

Raja KrishnamoorthiDyes

George WhitesidesDyes

Kat CammackRyes

Monica De La CruzRyes

April McClain DelaneyDyes

John GaramendiDabsent

Michael BaumgartnerRyes

Adrian SmithRyes

Janice SchakowskyDyes

Alexandria Ocasio-CortezDyes

Bonnie Watson ColemanDyes

Sydney Kamlager-DoveDyes

Guy ReschenthalerRyes

Christopher SmithRyes

Diana HarshbargerRyes

Nicholas LangworthyRyes

Mario Diaz-BalartRyes

Mike LevinDyes

Debbie Wasserman SchultzDyes

Kristen McDonald RivetDyes

Jennifer McClellanDyes

Richard McCormickRyes

Melanie StansburyDyes

Charles FleischmannRyes

Bradley SchneiderDyes

Jefferson Van DrewRyes

Suhas SubramanyamDyes

Jimmy PanettaDyes

Mike FloodRyes

Brittany PettersenDyes

Anna Paulina LunaRyes

Lauren BoebertRyes

Nicole MalliotakisRyes

Derrick Van OrdenRyes

Marilyn StricklandDyes

Christopher DeluzioDyes

Lateefah SimonDyes

Sylvia GarciaDyes

Ryan ZinkeRyes

Full roll-call analysis →

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

Discoveries

1 pattern noticed across the record

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

Interagency Technology Coordination

The bill establishes a synchronized reporting mechanism requiring multiple independent federal financial regulators to jointly coordinate and submit supervisory technology findings to Congress.

Board of Governors of the Federal Reserve System Bureau of Consumer Financial Protection Federal Deposit Insurance Corporation Department of the Treasury Federal Housing Finance Agency National Credit Union Administration

Connected Entities

Federal Deposit Insurance Corporation, National Credit Union Administration, Bill Foster and 9 more

OrganizationFederal Deposit Insurance Corporation“Covered financial supervisory agency”Map →

OrganizationNational Credit Union Administration“Covered financial supervisory agency”Map →

PersonBill Foster“Democratic representative for IL-11”Map →

OrganizationCommittee on Banking, Housing, and Urban Affairs of the Senate“Congressional committee receiving reports”Map →

OrganizationCommittee on Financial Services of the House of Representatives“Congressional committee receiving reports”Map →

OrganizationFederal Housing Finance Agency“Covered financial supervisory agency”Map →

OrganizationDepartment of the Treasury“Covered financial supervisory agency including OCC and FinCEN”Map →

OrganizationBoard of Governors of the Federal Reserve System“Covered financial supervisory agency”Map →

OrganizationOffice of the Comptroller of the Currency“Bureau within the Department of the Treasury”Map →

PersonMarlin Stutzman“Republican representative for IN-3”Map →

OrganizationBureau of Consumer Financial Protection“Covered financial supervisory agency”Map →

OrganizationFinancial Crimes Enforcement Network“Bureau within the Department of the Treasury”Map →

Sources

Open source document

www.congress.gov

Analysis Score

0–100

Significance75
How much this matters to a regular citizen
Controversy20
Intensity of disagreement among stakeholders
Entertainment5
Compellingness for a non-policy-wonk reader
Buzz35
Current news / social attention level

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