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TRUST Act of 2025
5/15/2026, 3:08 AM
Summary of Bill HR 4478
This bill, designated as H.R. 4478 in the 119th Congress, aims to amend the Federal Deposit Insurance Act to authorize Federal banking agencies to conduct examinations on qualifying insured depository institutions holding under $6 billion in total assets at least once every 18 months. The bill includes provisions related to enhancing examination frequency for such institutions and specifies other purposes that may be outlined within the text of the bill introduced on July 17, 2025.
Congressional Summary of HR 4478
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.
Read the Full Bill
Current Status of Bill HR 4478
Bill HR 4478 is currently in the status of Introduced to Senate since May 13, 2026. Bill HR 4478 was introduced during Congress 119 and was introduced to the House on July 17, 2025. Bill HR 4478's most recent activity was Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. as of May 13, 2026
Bipartisan Support of Bill HR 4478
Total Number of Sponsors
1Democrat Sponsors
0Republican Sponsors
1Unaffiliated Sponsors
0Total Number of Cosponsors
1Democrat Cosponsors
1Republican Cosponsors
0Unaffiliated Cosponsors
0Policy Area and Potential Impact of Bill HR 4478
Primary Policy Focus
Finance and Financial SectorAlternate Title(s) of Bill HR 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.
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.
Comments
Dorothy Frazier
879
10 months ago
I don't like this new bill, it's gonna mess everything up. Why do they want to do this to us? Who is gonna be affected by it?
Sponsors and Cosponsors of HR 4478
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