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Stress Testing Accountability and Transparency Act
H. R. 5270 To require the Board of Governors of the Federal Reserve System to issue rules to establish certain methodologies and scenarios used in stress testing, and for other purposes.
Summary
- Requires the Federal Reserve Board to issue rules within 90 days establishing the models, assumptions, and methodologies used in stress tests and stress capital buffer requirements.
- Requires the Federal Reserve to disclose each stress test scenario publicly at least 60 days before conducting a stress test.
- Requires any material changes to stress testing methodologies to go through notice and comment rulemaking.
- Prohibits the Federal Reserve from conducting climate-related stress tests under the Financial Stability Act.
- Requires the Government Accountability Office to report to Congress every 3 years on the effectiveness of Federal Reserve stress tests.
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)
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![Rep. Huizenga, Bill [R-MI-4]](https://media.civicgate.org/people/d/politicians/H001058.thumb.jpg)
Rep. Huizenga, Bill (R-MI) [#4]
2 cosponsors
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![Rep. Barr, Andy [R-KY-6]](https://media.civicgate.org/people/d/politicians/B001282.thumb.jpg)
Rep. Barr, Andy (R-KY) [#6] -
![Rep. Sessions, Pete [R-TX-17]](https://media.civicgate.org/people/d/politicians/S000250.thumb.jpg)
Rep. Sessions, Pete (R-TX) [#17]
Money behind the sponsor
Top reported contributors to Bill Huizenga’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- Employer not reported $115,320
- ANDREESSEN HOROWITZ $19,800
- APOLLO MANAGEMENT $15,000
- EDW. C. LEVY CO. $13,350
- HAWORTH INCORPORATED $13,200
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Bill Huizenga → · Outside spending →
Actions (6)
- Nov 4, 2025 Placed on the Union Calendar, Calendar No. 318. · house
- Nov 4, 2025 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-366. · house
- Sep 16, 2025 Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24. · house
- Sep 16, 2025 Committee Consideration and Mark-up Session Held · house
- Sep 10, 2025 Referred to the House Committee on Financial Services. · house
- Sep 10, 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).
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.
Text versions (2)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
September 10, 2025
Mr. Huizenga (for himself and Mr. Barr) introduced the following bill; which was referred to the Committee on Financial Services
November 4, 2025
Additional sponsor: Mr. Sessions
November 4, 2025
Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed [Strike out all after the enacting clause and insert the part printed in italic] [For text of introduced bill, see copy of bill as introduced on September 10, 2025]
A BILL
To require the Board of Governors of the Federal Reserve System to issue rules to establish certain methodologies and scenarios used in stress testing, 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 “Stress Testing Accountability and Transparency Act”.
SEC. 2. RULEMAKING RELATED TO STRESS CAPITAL BUFFER REQUIREMENTS.
(a) In General.—Not later than 90 days after the date of the enactment of this section, the Board of Governors of the Federal Reserve System (in this Act referred to as the “Board”) shall issue a rule—
(1) establishing the models, assumptions, formulas, and other decisional methodologies that are used to conduct any stress test pursuant to section 165(i) of the Financial Stability Act of 2010 (12 U.S.C. 5365(i)), including any such test that is used to determine any component or subcomponent of the stress capital buffer requirement for a covered company; and
(2) to determine, where the Board has supervisory stress test results from two or more periodic analyses of a covered company, the covered company’s stress capital buffer requirement on the basis of supervisory stress test results from two or more periodic analyses of that covered company.
(b) Changes.—The Board may only make material changes to the methodologies established in the rule issued under subsection (a)(1) through notice and comment rulemaking.
(c) No Double-count.—The Board shall ensure no double-count of capital requirements for the same risks in the stress capital buffer requirement and the risk-based capital requirements.
(d) Definitions.—In this section:
(1) Covered company.—The term “covered company” means a company to which section 225.8 of title 12, Code of Federal Regulations, or section 238.170 of title 12, Code of Federal Regulations, applies.
(2) Stress capital buffer requirement.—The term “stress capital buffer requirement” has the meaning given that term under—
(A) section 225.8(d) of title 12, Code of Federal Regulations; and
(B) section 238.170(d) of title 12, Code of Federal Regulations.
(e) Rule of Construction.—Nothing in this section may be construed to imply that the Board is required to establish a stress capital buffer requirement for any bank holding company or any other company regulated by the Board.
SEC. 3. RULEMAKING RELATING TO STRESS TESTING.
(a) In General.—Beginning in the first calendar year beginning after the date of the enactment of this section, the Board shall, not less than 60 days before conducting a stress test pursuant to section 165(i) of the Financial Stability Act of 2010, publicly disclose each scenario to be used in such stress test.
(b) Prohibition.—The Board may not, by rule or otherwise, subject any nonbank financial company or bank holding company to a climate- related stress test using the authority provided in section 165(i) of the Financial Stability Act of 2010.
SEC. 4. GAO REPORT.
(a) In General.—The Comptroller General of the United States shall, every 3 years, conduct a study and submit a report to the Congress with respect to the stress tests conducted by the Board under section 165(i) of the Financial Stability Act of 2010 in the 3 most recent calendar years.
(b) Contents.—The report submitted to the Congress under subsection (a) shall consider the effectiveness of the stress tests in evaluating—
(1) the safety and soundness of the nonbank financial companies and bank holding companies subjected to stress tests; and
(2) the stability of the United States financial system. Union Calendar No. 318
119th CONGRESS
1st Session
H. R. 5270
[Report No. 119-366]
A BILL
To require the Board of Governors of the Federal Reserve System to issue rules to establish certain methodologies and scenarios used in stress testing, and for other purposes.
November 4, 2025
Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed
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