Skip to main content
CivicGate

HR 4478
Passed House Re-checks Congress.gov for new actions and updates the bill's status, and fills in any sponsors, committees, or related bills that are missing. It does not re-pull sponsors/cosponsors/committees/related — those rarely change — and it skips all work if nothing has changed upstream, so it's cheap to click.

TRUST Act of 2025

Introduced Jul 17, 2025

Latest action (May 13, 2026) Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Referred to
Banking, Housing, and Urban Affairs Committee Financial Services Committee
Policy area
Finance and Financial Sector
Legislative subjects (5)
Bank accounts, deposits, capitalBanking and financial institutions regulationCorporate finance and managementFederal Deposit Insurance Corporation (FDIC)Performance measurement

Summary

This bill amends the Federal Deposit Insurance Act to modify examination requirements for well-managed banks. It increases the asset threshold for reduced examination cycles from $3 billion to $6 billion, meaning banks with less than $6 billion in total assets that meet well-managed criteria would be required to undergo federal examinations no more frequently than once every 18 months. This allows federal banking agencies to conduct less frequent examinations for a larger category of smaller, well-performing banks than under current law.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)
1 cosponsor

Actions (14)
  1. May 13, 2026 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
  2. May 12, 2026 Motion to reconsider laid on the table Agreed to without objection. · house
  3. May 12, 2026 On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358) · house
  4. May 12, 2026 Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
  5. May 12, 2026 DEBATE - The House proceeded with forty minutes of debate on H.R. 4478. · house
  6. May 12, 2026 Considered under suspension of the rules. (consideration: CR H3357-3359) · house
  7. May 12, 2026 Mr. Hill (AR) moved to suspend the rules and pass the bill. · house
  8. Sep 8, 2025 Placed on the Union Calendar, Calendar No. 209. · house
  9. Sep 8, 2025 Reported by the Committee on Financial Services. H. Rept. 119-252. · house
  10. Jul 23, 2025 Ordered to be Reported by the Yeas and Nays: 48 - 0. · house
  11. Jul 23, 2025 Committee Consideration and Mark-up Session Held · house
  12. Jul 22, 2025 Committee Consideration and Mark-up Session Held · house
  13. Jul 17, 2025 Referred to the House Committee on Financial Services. · house
  14. Jul 17, 2025 Introduced in House

More bills on these subjects (8)

Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).

  • HR 6556 — Failing Bank Acquisition Fairness Act (shares 5 subjects)
  • HR 6547 — Least Cost Exception Act (shares 5 subjects)
  • HR 5262 — Bank Competition Modernization Act (shares 4 subjects)
  • HR 4437 — SMART Act of 2025 (shares 3 subjects)
  • HR 6546 — Merger Process Review Act (shares 3 subjects)
  • HR 6553 — TIER Act of 2025 (shares 3 subjects)
  • HR 5270 — Stress Testing Accountability and Transparency Act (shares 3 subjects)
  • HR 3379 — HUMPS Act of 2025 (shares 3 subjects)

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • S 3830 — TRUST Act of 2026 · Introduced Feb 11, 2026 · Cong. 119 86%
  • HR 4437 — SMART Act of 2025 · Passed House May 13, 2026 · Cong. 119 84%
  • HR 940 — FAIR Exams Act · Introduced Jul 25, 2025 · Cong. 119 65%
  • HR 8087 — Main Street Depositor Protection Act · Introduced Mar 25, 2026 · Cong. 119 64%
  • HR 6544 — REVIEW Act of 2025 · Introduced Feb 25, 2026 · Cong. 119 63%
  • HR 6551 — New BANK Act of 2025 · Introduced Feb 25, 2026 · Cong. 119 63%

Text versions (4)
  • Referred in Senate · May 13, 2026
  • Engrossed in House · May 12, 2026
  • Reported in House · Sep 8, 2025
  • Introduced in House · Jul 17, 2025

Full text

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.

Comments

Comments

Loading comments…