[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[S. 3830 Introduced in Senate (IS)]

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119th CONGRESS
  2d Session
                                S. 3830

 To amend the Federal Deposit Insurance Act to permit Federal banking 
  agencies to examine qualifying insured depository institutions with 
under $6,000,000,000 in total assets not less than once during each 18-
                 month period, and for other purposes.


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                   IN THE SENATE OF THE UNITED STATES

                           February 11, 2026

   Mr. Budd (for himself, Mr. Kim, Mr. Kennedy, and Ms. Alsobrooks) 
introduced the following bill; which was read twice and referred to the 
            Committee on Banking, Housing, and Urban Affairs

_______________________________________________________________________

                                 A BILL


 
 To amend the Federal Deposit Insurance Act to permit Federal banking 
  agencies to examine qualifying insured depository institutions with 
under $6,000,000,000 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 2026'' or the ``TRUST Act of 2026''.

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''.
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