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EconomyH.R. 4478Comments

TRUST Act of 2025

Official title: 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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Where the Bill Stands

  1. Introduced, done
  2. Committee, done
  3. Floor Vote, done
  4. Outcome, current stage

What This Bill Does

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.

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Related Documents

Bill on Congress.govWeb Page ↗ (opens in a new tab)

Timeline

  1. SenateReceived in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. House floor actionsMr. Hill (AR) moved to suspend the rules and pass the bill.
  3. Passed the House
  4. House floor actionsReported by the Committee on Financial Services. H. Rept. 119-252.
  5. House committee actionsCommittee Consideration and Mark-up Session Held
  6. House committee actionsCommittee Consideration and Mark-up Session Held
  7. Library of CongressIntroduced in House
  8. House floor actionsReferred to the House Committee on Financial Services.
  9. Introduced
  10. Committee

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