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House Bill 5270
119th Congress(2025-2026)
Stress Testing Accountability and Transparency Act
Introduced
Introduced
Introduced in House on Sep 10, 2025
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H. R. 5270 (Introduced-in-House)


119th CONGRESS
1st Session
H. R. 5270


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.

IN THE HOUSE OF REPRESENTATIVES

September 10, 2025

Mr. Huizenga (for himself and Mr. Barr) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

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.

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 “Stress Testing Accountability and Transparency Act”.

SEC. 2. Rulemaking related to stress capital buffer requirements.

(a) In general.—Not later than 90 days after the date of the enactment of this section, the Board of Governors of the Federal Reserve System (in this Act referred to as the “Board”) shall issue a rule to establish any models, assumptions, formulas, or other decisional methodologies that are used to determine any component or subcomponent of the stress capital buffer requirement for a bank holding company.

(b) Changes.—The Board may only make changes to the rule issued under subsection (a) through notice and comment rulemaking.

(c) No double-Count.—The Board shall ensure no double-count of capital requirements for the same risks in the stress capital buffer requirement and the risk-based capital requirements.

(d) Stress capital buffer requirement defined.—In this section, the term “stress capital buffer requirement” has the meaning given the term in section 225.8(d) of title 12 of the Code of Federal Regulations.

SEC. 3. Rulemaking relating to stress testing.

(a) In general.—Beginning in the first calendar year beginning after the date of the enactment of this section, the Board shall, not less than 30 days before conducting a stress test pursuant to section 165(i) of the Financial Stability Act of 2010, issue a rule to establish each scenario to be used in such stress test.

(b) Prohibition.—The Board may not, by rule or otherwise, subject any nonbank financial company to a climate-related stress test using the authority provided in section 165(i) of the Financial Stability Act of 2010.

SEC. 4. GAO report.

(a) In general.—The Comptroller General of the United States shall, every 3 years, conduct a study and submit a report to the Congress with respect to the stress tests conducted by the Board under section 165(i) of the Financial Stability Act of 2010 in the 3 most recent calendar years.

(b) Contents.—The report submitted to the Congress under subsection (a) shall consider the effectiveness of the stress tests in evaluating—

(1) the safety and soundness of the nonbank financial institutions subjected to stress tests;

(2) the stability of the United States financial system.