119 HR 4478 : Tailored Regulatory Updates for Supervisory Testing Act of 2025 U.S. House of Representatives 2026-05-13 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.

IIB119th CONGRESS2d SessionH. R. 4478IN THE SENATE OF THE UNITED STATESMay 13, 2026Received; read twice and referred to the Committee on Banking, Housing, and Urban AffairsAN ACTTo 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.

Passed the House of Representatives May 12, 2026.Kevin F. McCumber,Clerk.