United States HR 4478: TRUST Act of 2025

Bill Text

I 
119THCONGRESS 
1
STSESSION 
H. R. 4478 
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. 
IN  THE  HOUSE  OF  REPRESENTATIVES  
JULY17, 2025 
Mr.  M
OOREof  North  Carolina  (for  himself  and  Mr.  TORRESof  New  York)  
introduced  the  following  bill;  which  was  referred  to  the  Committee  on  Fi-
nancial Services 
A  BILL  
To  amend  the  Federal  Deposit  Insurance  Act  to  permit  Fed-
eral  banking  agencies  to  examine  qualifying  insured  de-
pository  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  Representa-1
tives of the United States of America in Congress assembled, 2
SECTION 1. SHORT TITLE. 3
This  Act  may  be  cited  as  the  ‘‘Tailored  Regulatory  4
Updates  for  Supervisory  Testing  Act  of  2025’’  or  the  5
‘‘TRUST Act of 2025’’. 6
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2 
•HR  4478  IH
SEC.  2.  MODIFICATION  OF  EXAMINATION  CYCLE  THRESH-1
OLDS FOR WELL-MANAGED INSTITUTIONS. 2
Section  10(d)  of  the  Federal  Deposit  Insurance  Act  3
(12 U.S.C. 1820(d)) is amended— 4
(1)     in     paragraph     (4)(A),     by     striking     5
‘‘$3,000,000,000’’  and  inserting  ‘‘$6,000,000,000’’;  6
and 7
(2)      in      paragraph      (10),      by      striking      8
‘‘$3,000,000,000’’ and inserting ‘‘$6,000,000,000’’. 9
Æ 
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