TRUST Act of 2025

Tim Moore

Republican · NC · Representative

Source: Congress.gov · FEC

• Ritchie Torres (D-NY-15)Original· 2025-07-17

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

2026-05-13

Source: Congress.gov

Tailored Regulatory Updates for Supervisory Testing Act of 2025 or the TRUST Act of 2025 This bill permits additional small insured depository institutions that are considered well-capitalized and well-managed (per their most recent examination) to qualify for less frequent examinations conducted by federal financial regulators. Specifically, the bill raises the maximum asset level that qualifies an institution for less frequent examinations from less than $3 billion to less than $6 billion.

Plain-English rewrite of the Congressional Research Service summary published on Congress.gov. Cached and reviewed.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4478 Engrossed in House (EH)] <DOC> 119th CONGRESS 2d Session H. R. 4478 _______________________________________________________________________ AN ACT To amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6 billion in total assets not less than once during each 18- month period, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Tailored Regulatory Updates for Supervisory Testing Act of 2025'' or the ``TRUST Act of 2025''. SEC. 2. MODIFICATION OF EXAMINATION CYCLE THRESHOLDS FOR WELL-MANAGED INSTITUTIONS. Section 10(d) of the Federal Deposit Insurance Act (12 U.S.C. 1820(d)) is amended-- (1) in paragraph (4)(A), by striking ``$3,000,000,000'' and inserting ``$6,000,000,000''; and (2) in paragraph (10), by striking ``$3,000,000,000'' and inserting ``$6,000,000,000''. Passed the House of Representatives May 12, 2026. Attest: Clerk. 119th CONGRESS 2d Session H. R. 4478 _______________________________________________________________________ AN ACT To amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6 billion in total assets not less than once during each 18- month period, and for other purposes.

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