[Report No. 119–252]
July 17, 2025
Mr. Moore of North Carolina (for himself and Mr. Torres of New York) introduced the following bill; which was referred to the Committee on Financial Services
September 8, 2025
Committed to the Committee of the Whole House on the State of the Union and ordered to be printed
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
.