TRUST Act of 2025

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4478 Referred in Senate (RFS)] <DOC> 119th CONGRESS 2d Session H. R. 4478 _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES May 13, 2026 Received; read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ 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: KEVIN F. MCCUMBER, Clerk.