IIB
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.
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
.