II 118th CONGRESS 1st Session S. 2252 IN THE SENATE OF THE UNITED STATES July 12, 2023 Mr. Kennedy (for himself and Ms. Smith ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To require the Federal banking regulators to jointly conduct a study and develop a strategic plan to address challenges faced by proposed depository institutions seeking de novo depository institution charters, and for other purposes.