H.R. 4478 · Passed House · Finance and Financial Sector

TRUST Act of 2025

Sponsor: Tim Moore (R-NC)

What it does

• Raises the maximum asset threshold for less frequent federal examinations from below $3 billion to below $6 billion for well-capitalized and well-managed institutions.
• Expands the population of small insured depository institutions eligible for reduced examination frequency based on recent soundness ratings.
• Maintains well-capitalized and well-managed status as the baseline for examination-frequency relief.

Official 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.

Latest action

May 13, 2026: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Committee: Senate Banking, Housing, and Urban Affairs