H.R. 4478

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 4478 Referred in Senate (RFS)]

<DOC>
119th CONGRESS
2d Session
H. R. 4478

_______________________________________________________________________

IN THE SENATE OF THE UNITED STATES

May 13, 2026

Received; read twice and referred to the Committee on Banking, Housing, 
and Urban Affairs

_______________________________________________________________________

AN ACT

To amend the Federal Deposit Insurance Act to permit Federal banking 
agencies to examine qualifying insured depository institutions with 
under $6 billion 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 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''.

Passed the House of Representatives May 12, 2026.

Attest:

KEVIN F. MCCUMBER,

Clerk.