119th Congress · introduced in the House · Apr 14, 2026
Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act
Official title from Congress.gov
Latest action (Sep 16, 2026): Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Reported to House (Jun 24, 2026)
Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act
This bill requires specified federal financial agencies to assess their technological capabilities and procurement practices.
Specifically, agencies (the Federal Reserve Board, the Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, the Department of the Treasury, the Office of the Comptroller of the Currency, the Financial Crimes Enforcement Network, the Federal Housing Finance Agency, and the National Credit Union Administration) must assess the technology used by the agency and its capabilities to conduct real-time supervisory assessments of entities over which the agency has supervisory authority.
Additionally, the agencies must assess the applicable procurement rules and protocols when acquiring or developing new technological systems and identify any opportunities to streamline these procedures.
Every five years, these agencies must report to specified congressional committees. Among other topics, the report must contain an overview of the technology used in supervisory assessments and any anticipated upgrades, a description of procurement practices, an overview of the agency’s technology development workforce, and details regarding data sharing procedures.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
House · Sep 15, 2026 · Roll call 302 · Passed
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Motion to reconsider laid on the table Agreed to without objection.
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) Roll call details
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) Roll call details
Considered as unfinished business. (consideration: CR H5822-5823)
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.
DEBATE - The House proceeded with forty minutes of debate on H.R. 8278.
Considered under suspension of the rules. (consideration: CR H5605-5608)
Ms. De La Cruz moved to suspend the rules and pass the bill, as amended.
Placed on the Union Calendar, Calendar No. 617.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-711.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-711.
Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.
Committee Consideration and Mark-up Session Held
Computer security and identity theft · Computers and information technology · Intergovernmental relations · Public contracts and procurement · Technology assessment · Technology transfer and commercialization
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsReferred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
Coverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
9 citations.
JPMORGAN CHASE HOLDINGS LLC · lobbying firm or registrant: JPMORGAN CHASE HOLDINGS LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,460,000
Spent on own lobbying
H.R. 3633, S. 3017, H.R. 1799, H.R. 2152, H.R. 4801, H.R. 8278, H.R. 9925 - Discussed margin issues and CCPs. Discussed issues related to bank structure, capital requirements, capital formation, market structure, market ac…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL MULTIFAMILY HOUSING COUNCIL INC · lobbying firm or registrant: NATIONAL MULTIFAMILY HOUSING COUNCIL, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Telecommunications
$1,670,000
Spent on own lobbying
…st State, local, and Tribal law enforcement agencies in the use of tracing tools for blockchain and related technology, and for other purposes, all provisions. H.R. 8278, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act, to require certain supervisory agencies to assess their techn…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$3,100,000
Spent on own lobbying
…air Financing for Opportunity and Resilient Development (AFFORD) Act S. 3017, the STREAMLINE Act H.R. 1799, the Financial Reporting Threshold Modernization Act H.R. 8278, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act H.R. 9331, the Strengthening Transaction Oversight Preventing…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$120,000
Spent on own lobbying
…26: provisions related to lending. H.R. 7892 / S. 4428 - No Aid for Ghost Students Act of 2026: provisions related to strengthening federal student aid system. H.R. 8278 - Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act: provisions related to artificial intelligence. H.R. 8398 - G…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL MULTIFAMILY HOUSING COUNCIL INC · lobbying firm or registrant: NATIONAL MULTIFAMILY HOUSING COUNCIL, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Telecommunications
$2,330,000
Spent on own lobbying
…st State, local, and Tribal law enforcement agencies in the use of tracing tools for blockchain and related technology, and for other purposes, all provisions. H.R. 8278, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act, to require certain supervisory agencies to assess their techn…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
JPMORGAN CHASE HOLDINGS LLC · lobbying firm or registrant: JPMORGAN CHASE HOLDINGS LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,190,000
Spent on own lobbying
H.R. 3633, S. 3017, H.R. 1799, H.R. 2152, H.R. 4801, H.R. 8278 - Discussed margin issues and CCPs. Discussed issues related to bank structure, capital requirements, capital formation, market structure, market access and ma…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$3,510,000
Spent on own lobbying
…air Financing for Opportunity and Resilient Development (AFFORD) Act S. 3017, the STREAMLINE Act H.R. 1799, the Financial Reporting Threshold Modernization Act H.R. 8278, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act H.R. 9331, the Strengthening Transaction Oversight Preventing…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$110,000
Spent on own lobbying
…proposed bills H.R. 940, H.R. 2702, H.R. 4437, H.R. 5317 and S. 875. H.R. 7866 / S.3889 - American Lending Fairness Act of 2026: provisions related to lending. H.R. 8278 - Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act; provisions related to artificial intelligence. H.R. 8398 - G…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
INDEPENDENT COMMUNITY BANKERS OF AMERICA · lobbying firm or registrant: INDEPENDENT COMMUNITY BANKERS OF AMERICA
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 16, 2026 · issue area: Banking
$2,170,000
Spent on own lobbying
…H.R. 8075 Emergency Transaction Account Guarantee Program H.R. 8087 Main Street Depositor Protection Act H.R. 8088 Growing Deposit Insurance for the Future Act H.R. 8278 The Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act H.R. 8671 The Bank Fraud Technology Advancement Act H.R. 9331 the Str…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing