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Bill · 119th Congress · HR 4478

TRUST Act of 2025

Refreshed 2 h ago

Introduced 2025-07-17Topic: economy jobs · governance ethics

Summary

Summary by the Congressional Research Service

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.

Full text and official record on Congress.gov

Sponsors

Action history

DateChamberActionStatus effect
2026-05-13SenateReceived in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.refer
2026-05-12HouseMotion to reconsider laid on the table Agreed to without objection.
2026-05-12HouseOn motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
2026-05-12Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)floor pass
2026-05-12HouseDEBATE - The House proceeded with forty minutes of debate on H.R. 4478.
2026-05-12HouseConsidered under suspension of the rules. (consideration: CR H3357-3359)
2026-05-12HouseMr. Hill (AR) moved to suspend the rules and pass the bill.
2025-09-08HousePlaced on the Union Calendar, Calendar No. 209.
2025-09-08HouseReported by the Committee on Financial Services. H. Rept. 119-252.report
2025-09-08Reported by the Committee on Financial Services. H. Rept. 119-252.report
2025-07-23HouseOrdered to be Reported by the Yeas and Nays: 48 - 0.refer
2025-07-23HouseCommittee Consideration and Mark-up Session Heldrefer
2025-07-22HouseCommittee Consideration and Mark-up Session Heldrefer
2025-07-17HouseReferred to the House Committee on Financial Services.refer
2025-07-17Introduced in Houseintroduce
2025-07-17Introduced in Houseintroduce
Source: GovInfo Bill Status (Library of Congress), fetched 2026-09-20. Provisions and opinion polling arrive in a later release.