This bill, titled the "Ensuring U.S. Authority over U.S. Banking Regulations Act" , establishes new requirements for federal banking agencies when they undertake rulemakings that implement policies from non-governmental international organizations. Specifically, it mandates that the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the National Credit Union Administration, and the Federal Housing Finance Administration must adhere to these provisions. Before proposing or finalizing a "major covered rule" , these agencies must provide Congress with 120 days' notice, testimony, and a detailed economic analysis. This analysis must project economic costs, sectoral effects, and impacts on credit availability, GDP, and employment. A "major covered rule" is defined as one with an aggregate economic effect of $10 billion or more over a 10-year period, intended to align with recommendations from non-governmental international organizations such as the Financial Stability Board Bank for International Settlements Network of Central Banks and Supervisors for Greening the Financial System Basel Committee on Banking Supervision . Furthermore, the bill prohibits federal banking regulators from engaging with certain international organizations on climate-related financial risk unless they first issue a report to Congress. This report must detail the regulator's activities within the covered international organization and provide a comprehensive accounting of the organization's governmental and non-governmental funding sources for the previous calendar year. The covered international organizations for this reporting requirement include the Financial Stability Board, the Network of Central Banks and Supervisors for Greening the Financial System, and the Basel Committee on Banking Supervision.