TRUST Act of 2026

This bill changes how often federal banking agencies must examine certain smaller banks and savings institutions. Under current law, qualifying well-managed insured institutions with less than $3 billion in total assets may be examined once every 18 months instead of more often. The bill raises that asset limit to $6 billion, so more institutions could be examined on the 18-month cycle. It also raises the related $3 billion figure in a second part of the same law to $6 billion.

Full text and official record on Congress.gov

Sponsors

• Ted Budd Republican sponsor
• 6 cosponsors