H.R. 4478 · House bill · 119th Congress

TRUST Act of 2025

Sponsored by Rep. Tim Moore, North Carolina with 1 co-sponsor

Introduced Jul 17, 2025

Referred to the Banking, Housing, and Urban Affairs Committee

Latest action May 13, 2026

SponsorRep. Tim Moore, North Carolina· 1 cosponsorRep. Ritchie Torres, New York

What the bill does

This bill permits additional small insured depository institutions that are considered well-capitalized and well-managed (per their most recent examination) to qualify for less frequent examinations conducted by federal financial regulators. Specifically, the bill raises the maximum asset level that qualifies an institution for less frequent examinations from less than $3 billion to less than $6 billion.

Read the full summary

Tailored Regulatory Updates for Supervisory Testing Act of 2025 or the TRUST Act of 2025

Summary by the Congressional Research Service, Introduced in House (Jul 17, 2025).

Read the bill

About 100 words

Contents

Sec. 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”.

Official text, Referred in Senate (May 13, 2026), from the Government Publishing Office via Congress.gov. Printed version (PDF) · All versions on Congress.gov

What the bill does

Read the full summary

Tailored Regulatory Updates for Supervisory Testing Act of 2025 or the TRUST Act of 2025

Summary by the Congressional Research Service, Introduced in House (Jul 17, 2025).