3.0.0 5270 2026-04-01T15:50:33Z 2026-04-01T15:50:33Z House H HR 2025-09-10 119 https://www.congress.gov/bill/119th-congress/house-bill/5270 [Congressional Record Volume 171, Number 148 (Wednesday, September 10, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. HUIZENGA:H.R. 5270.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the United States Constitution[Page H4239]]]> hsba00 Financial Services Committee House Standing Reported By 2025-11-04T18:47:52Z Markup By 2025-09-16T14:42:40Z Referred To 2025-09-10T14:05:50Z H. Rept. 119-366 2025-11-04 Placed on the Union Calendar, Calendar No. 318. Calendars H12410 2 House floor actions U00318 2025-11-04 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-366. Committee H12200 2 House floor actions hsba00 Financial Services Committee 2025-11-04 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-366. Committee 5000 9 Library of Congress hsba00 Financial Services Committee 2025-09-16 hsba00 Financial Services Committee 1 House committee actions Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24. Committee 2025-09-16 hsba00 Financial Services Committee 1 House committee actions Committee Consideration and Mark-up Session Held Committee 2025-09-10 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2025-09-10 Introduced in House IntroReferral Intro-H 9 Library of Congress 2025-09-10 Introduced in House IntroReferral 1000 9 Library of Congress H001058 Rep. Huizenga, Bill [R-MI-4] Bill Huizenga R MI 4 N B001282 Rep. Barr, Andy [R-KY-6] Andy Barr R KY 6 2025-09-10 True S000250 Rep. Sessions, Pete [R-TX-17] Pete Sessions R TX 17 2025-09-15 False Finance and Financial Sector Bank accounts, deposits, capital 2025-09-25T14:00:46Z Banking and financial institutions regulation 2025-09-25T14:00:14Z Congressional oversight 2025-09-25T14:01:15Z Federal Reserve System 2025-09-25T14:00:05Z Financial crises and stabilization 2025-09-25T14:00:34Z Government information and archives 2025-09-25T14:01:08Z Government studies and investigations 2025-09-25T14:01:00Z Performance measurement 2025-09-25T14:00:21Z Finance and Financial Sector 2025-09-24T13:42:14Z 07 2025-11-04 Reported to House 2026-04-01T15:49:01Z Stress Testing Accountability and Transparency Act

This bill requires the Federal Reserve Board to make public certain details concerning annual stress tests performed by the board and prohibits certain stress test practices. (Stress tests assess a financial institution’s response to a hypothetical disruptive economic event. The board sets an institution’s capital requirements or stress capital buffer based on the results.) 

Specifically, the bill requires the board to issue a rule that establishes the models, assumptions, and methods used by the board to perform annual stress tests on certain nonbank financial companies and large bank holding companies. The board must also issue a rule determining the stress capital buffer requirement for certain companies that have at least two results from periodic stress tests. In addition, the board must disclose annually each scenario to be used in stress testing.

Further, the board is prohibited from materially changing stress test methodologies outside of the rulemaking process. The board must also ensure that stress capital buffer requirements and risk-based capital requirements do not contain capital requirements for the same risks. The board is also prohibited from performing climate-related stress tests. 

The Government Accountability Office must report on the effectiveness of the stress tests every three years.

]]> Stress Testing Accountability and Transparency Act Short Title(s) as Reported to House 102 Stress Testing Accountability and Transparency Act 2025-11-05T03:53:12Z H House Reported in House RH Display Title 45 Stress Testing Accountability and Transparency Act 2025-09-16T07:38:16Z Short Title(s) as Introduced 101 Stress Testing Accountability and Transparency Act 2025-09-16T07:38:15Z Introduced in House IH Official Title as Introduced 6 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. 2025-09-16T07:33:22Z Introduced in House IH Reported in House 2025-11-04T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr5270rh/xml/BILLS-119hr5270rh.xml Introduced in House 2025-09-10T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr5270ih/xml/BILLS-119hr5270ih.xml 2025-11-04 Placed on the Union Calendar, Calendar No. 318. 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.