US HB5262

Exempts bank mergers resulting in institutions with less than $10 billion in assets from antitrust review requirements under the Federal Deposit Insurance Act, Bank Holding Company Act, and Home Owners' Loan Act

Prohibits regulators (FDIC, Federal Reserve Board) from considering whether qualifying mergers would create monopolies, substantially lessen competition, or restrain trade

Applies to acquisitions, mergers, consolidations, assumptions of liabilities, and transfers of assets involving depository institutions, bank holding companies, and savings and loan holding companies

Requires annual adjustment of the $10 billion threshold based on nominal U.S. GDP growth, using Bureau of Economic Analysis data and comparing the highest GDP year in the preceding 5 years to the current year