Tailored Regulatory Updates for Supervisory Testing Act of 2025

H.R. 4478 · 119th Congress · May 13, 2026 · Lineage

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.

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”.

Lineage

May 13, 2026viewing Referred in Senate Received; read twice and referred to the Committee on Banking, Housing, and Urban Affairs See what changed
May 12, 2026 Engrossed in House See what changed
Jul 17, 2025 Reported in House Mr. Moore of North Carolina (for himself and Mr. Torres of New York) introduced the following bill; which was referred to the Committee on Financial Services See what changed
Jul 17, 2025 Introduced in House Mr. Moore of North Carolina (for himself and Mr. Torres of New York) introduced the following bill; which was referred to the Committee on Financial Services

Tailored Regulatory Updates for Supervisory Testing Act of 2025

Section 1 Short title

Sec. 2 Modification of examination cycle thresholds for well-managed institutions

Cite this provision

Incoming references