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Tailored Regulatory Updates for Supervisory Testing Act of 2026

S. 3830 · 119th Congress · Feb 11, 2026 · Lineage

A BILL

To amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6,000,000,000 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 2026” or the “TRUST Act of 2026”.

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”.