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Senate Bill 3830
119th Congress(2025-2026)
TRUST Act of 2026
Introduced
Introduced
Introduced in Senate on Feb 11, 2026
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Introduced in Senate 
Feb 11, 2026
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Introduced in Senate(Feb 11, 2026)
Feb 11, 2026
Not Scanned for Linkage
About Linkage
Multiple bills can contain the same text. This could be an identical bill in the opposite chamber or a smaller bill with a section embedded in a larger bill.
Bill Sponsor regularly scans bill texts to find sections that are contained in other bill texts. When a matching section is found, the bills containing that section can be viewed by clicking "View Bills" within the bill text section.
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S. 3830 (Introduced-in-Senate)


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.

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”.