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House Bill 4478
119th Congress(2025-2026)
TRUST Act of 2025
Introduced
Introduced
Introduced in House on Jul 17, 2025
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H. R. 4478 (Introduced-in-House)


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.

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

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”.