3.0.0 4478 2026-05-15T03:08:24Z 2026-05-15T03:08:24Z House H HR 2025-07-17 119 https://www.congress.gov/bill/119th-congress/house-bill/4478 [Congressional Record Volume 171, Number 123 (Thursday, July 17, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. MOORE of North Carolina:H.R. 4478.Congress has the power to enact this legislation pursuantto the following:Section 8 of Article I of the Constitution[Page H3475]]]> ssbk00 Banking, Housing, and Urban Affairs Committee Senate Standing Referred To 2026-05-13T16:29:19Z hsba00 Financial Services Committee House Standing Reported By 2025-09-08T17:47:56Z Markup By 2025-07-23T16:56:17Z Markup By 2025-07-22T16:56:07Z Referred To 2025-07-17T13:05:10Z H. Rept. 119-252 TRUST Act of 2026 119 3830 S 2026-02-11 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS 2026-05-13 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. IntroReferral 2026-05-12 15:56:31 Motion to reconsider laid on the table Agreed to without objection. Floor H38310 2 House floor actions 2026-05-12 15:56:26 On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358) Floor H37300 2 House floor actions 2026-05-12 15:56:26 Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358) Floor 8000 9 Library of Congress 2026-05-12 15:43:54 DEBATE - The House proceeded with forty minutes of debate on H.R. 4478. Floor H8D000 2 House floor actions 2026-05-12 15:43:53 Considered under suspension of the rules. (consideration: CR H3357-3359) Floor H30000 2 House floor actions 2026-05-12 15:43:43 Mr. Hill (AR) moved to suspend the rules and pass the bill. Floor H30300 2 House floor actions 2025-09-08 Placed on the Union Calendar, Calendar No. 209. Calendars H12410 2 House floor actions U00209 2025-09-08 Reported by the Committee on Financial Services. H. Rept. 119-252. Committee H12200 2 House floor actions hsba00 Financial Services Committee 2025-09-08 Reported by the Committee on Financial Services. H. Rept. 119-252. Committee 5000 9 Library of Congress hsba00 Financial Services Committee 2025-07-23 hsba00 Financial Services Committee 1 House committee actions Ordered to be Reported by the Yeas and Nays: 48 - 0. Committee 2025-07-23 hsba00 Financial Services Committee 1 House committee actions Committee Consideration and Mark-up Session Held Committee 2025-07-22 hsba00 Financial Services Committee 1 House committee actions Committee Consideration and Mark-up Session Held Committee 2025-07-17 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2025-07-17 Introduced in House IntroReferral Intro-H 9 Library of Congress 2025-07-17 Introduced in House IntroReferral 1000 9 Library of Congress M001236 Rep. Moore, Tim [R-NC-14] Tim Moore R NC 14 N T000486 Rep. Torres, Ritchie [D-NY-15] Ritchie Torres D NY 15 2025-07-17 True Finance and Financial Sector Bank accounts, deposits, capital 2025-08-26T14:16:48Z Banking and financial institutions regulation 2025-08-26T14:14:50Z Corporate finance and management 2025-08-26T14:14:30Z Federal Deposit Insurance Corporation (FDIC) 2025-08-26T14:14:22Z Performance measurement 2025-08-26T14:14:35Z Finance and Financial Sector 2025-07-30T14:00:43Z 00 2025-07-17 Introduced in House 2026-05-07T18:34:25Z Tailored Regulatory Updates for Supervisory Testing Act of 2025 or the TRUST Act of 2025

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. 

]]> TRUST Act of 2025 Short Titles from RFS (Referred to Senate) bill text 255 Tailored Regulatory Updates for Supervisory Testing Act of 2025 2026-05-15T03:08:24Z S Senate Referred in Senate RFS Short Titles from RFS (Referred to Senate) bill text 255 TRUST Act of 2025 2026-05-15T03:08:24Z S Senate Referred in Senate RFS Short Title(s) as Passed House 104 TRUST Act of 2025 2026-05-14T02:38:27Z H House Engrossed in House EH Official Titles from EH (Engrossed in House) bill text 259 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. 2026-05-14T02:38:27Z H House Engrossed in House EH Short Title(s) as Passed House 104 Tailored Regulatory Updates for Supervisory Testing Act of 2025 2026-05-14T02:38:27Z H House Engrossed in House EH Short Title(s) as Reported to House 102 TRUST Act of 2025 2025-09-09T07:08:25Z H House Reported in House RH Short Title(s) as Reported to House 102 Tailored Regulatory Updates for Supervisory Testing Act of 2025 2025-09-09T07:08:25Z H House Reported in House RH Display Title 45 TRUST Act of 2025 2025-07-19T07:08:21Z Short Title(s) as Introduced 101 TRUST Act of 2025 2025-07-19T07:08:21Z Introduced in House IH Short Title(s) as Introduced 101 Tailored Regulatory Updates for Supervisory Testing Act of 2025 2025-07-19T07:08:21Z Introduced in House IH Official Title as Introduced 6 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. 2025-07-19T07:03:31Z Introduced in House IH Referred in Senate 2026-05-13T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr4478rfs/xml/BILLS-119hr4478rfs.xml Engrossed in House 2026-05-12T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr4478eh/xml/BILLS-119hr4478eh.xml Reported in House 2025-09-08T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr4478rh/xml/BILLS-119hr4478rh.xml Introduced in House 2025-07-17T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr4478ih/xml/BILLS-119hr4478ih.xml 2026-05-13 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. 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. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.