is a United States Act of Congress that regulates the actions of bank holding companies.

The IBBEA allowed interstate mergers between "adequately capitalized and managed banks, subject to concentration limits, state laws and Community Reinvestment Act (CRA) evaluations."

In the United States, financial holding companies continue to be prohibited from owning non-financial corporations in contrast to Japan and continental Europe, where this arrangement is common.

[1] The proposed rule would: Additionally under a report was issued pursuant to Section 620 of the Dodd-Frank Act.

(620 Report),[3] which includes recommendations for legislation to repeal several current authorities for banks to engage in physical commodities activities.