119 HR 4478 IH: Tailored Regulatory Updates for Supervisory Testing Act of 2025 U.S. House of Representatives 2025-07-17 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.

I119th CONGRESS1st SessionH. R. 4478IN THE HOUSE OF REPRESENTATIVESJuly 17, 2025Mr. Moore of North Carolina (for himself and Mr. Torres of New York) introduced the following bill; which was referred to the Committee on Financial ServicesA BILLTo 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.

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.

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.