HR 4478
TRUST Act of 2025
Summary
Tailored Regulatory Updates for Supervisory Testing Act of 2025 or the TRUST Act of 2025 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.
Bill status
- Status
- Passed House
- Sponsor
- Rep. Tim Moore [R-NC-14]
- Cosponsors
- 1
- Policy area
- Finance and Financial Sector
- Introduced
- 2025-07-17
- Latest action
- 2026-05-13: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Committee referrals
- Banking, Housing, and Urban Affairs Committee: Senate · Referred To · 2026-05-13
- Financial Services Committee: House · Reported By · 2025-09-08
- Financial Services Committee: House · Markup By · 2025-07-23
- Financial Services Committee: House · Markup By · 2025-07-22
- Financial Services Committee: House · Referred To · 2025-07-17
Recent actions
- 2026-05-13: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 2026-05-12: Motion to reconsider laid on the table Agreed to without objection.
- 2026-05-12: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
- 2026-05-12: Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
- 2026-05-12: DEBATE - The House proceeded with forty minutes of debate on H.R. 4478.