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Financial Institutions Examination Fairness and Reform Act
(Sec. 2) This bill amends the Federal Financial Institutions Examination Council Act of 1978 to apply specified procedures related to reporting and review, as established by the bill, to a nondepository covered person that is subject to Consumer Financial Protection Bureau (CFPB) supervision.
(Sec. 3) The bill sets deadlines for final examination reports and exit interviews of a financial institution by a federal financial regulatory agency.
(Sec. 4) The Office of Independent Examination Review is established to adjudicate appeals and investigate complaints from financial institutions concerning examination reports.
(Sec. 5) Financial institutions have the right to an independent review of a material supervisory determination. The bill also establishes a limited review by the Federal Financial Institutions Examination Council (FFIEC) if there is evidence that the final decision reached by the office would pose an imminent threat to the financial institution's safety and soundness. Certain retaliatory actions by regulatory agencies with respect to such review are prohibited.
(Sec. 6) The bill also requires the establishment of an independent internal agency appellate process at the CFPB for the review of supervisory determinations made at institutions supervised by the CFPB. The proportion of FFIEC costs covered by regulatory agencies is raised.
(Sec. 7) The bill amends the Federal Reserve Act to lower the maximum allowable amount of surplus funds of the Federal Reserve banks.
Written by the nonpartisan Congressional Research Service, describing H.R. 4545 as passed House amended on Mar 15, 2018. It is not the text of the measure; a later amendment may have changed what it does.
Mar 15, 2018Each bar: ✓ Yea from the bottom, ✕ Nay aboveMar 15, 2018
House Mar 15, 2018 · the primary vote
Financial Institutions Examination Fairness and Reform Act
Passed
283 Yea 133 Nay 14 not voting
Crossed both parties 53 of 416 voting members broke with their own party: 52 Democrats, 1 Republican.
DemocratsRepublicansFilled: YeaRing: NayGrey: not voting or present
430 members on this roll call, from the official House record. Party majorities need at least five voting members, so an independent never counts as breaking with a party.
Signing on is not a vote: a member can cosponsor H.R. 4545 and vote against it. 1 signed when it was filed.
Organizations that named H.R. 4545 in a lobbying disclosure. Only those that cited the bill by number appear, so this is a floor, not a full list.
42 disclosures name this measure. Retrieved from LDA.gov on 2026-10-05. Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.