TRUST Act of 2025

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 4478 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 4478

 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.


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                    IN THE HOUSE OF REPRESENTATIVES

                             July 17, 2025

 Mr. Moore of North Carolina (for himself and Mr. Torres of New York) 
 introduced the following bill; which was referred to the Committee on 
                           Financial Services

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                                 A BILL


 
 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.

    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 2025'' or the ``TRUST Act of 2025''.

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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