Bill · H.R. 4478· House(119-HR-4478)
TRUST Act of 2025
- Introduced
- 7/17/2025
- Last activity
- 5/13/2026 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Tim Moore
- Cosponsors
- - 0 - 1
- Introduced
- Passed House
- In Senate committee
What this bill would do
This Act, known as the ``TRUST Act of 2025'', seeks to amend the Federal Deposit Insurance Act. It aims to change the thresholds used by Federal banking agencies when examining certain insured depository institutions. Specifically, the bill updates the asset limits that qualify for specific examination cycles. The changes involve increasing a specific dollar amount from $3,000,000,000 to $6,000,000,000. This adjustment affects paragraph (4)(A) and paragraph (10) of Section 10(d) of the Federal Deposit Insurance Act.
Yes
Is this likely to grow the economy?+1
By updating examination cycles for mid-sized banks, it may provide more predictable regulatory environments for financial institutions.
Does this make it easier to run a small business?+1
The bill provides clearer regulatory examination thresholds for community and mid-sized banks that support small businesses.
Would business owners be better off under this?+1
Provides regulatory clarity and updated thresholds for depository institutions, which benefits banking business owners.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Modified Examination Cycles: The bill allows 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 (Section 2). This could be considered positive as it adjusts the regulatory examination schedule for these institutions.
Potential Negative Impacts for People
- No negative impacts are explicitly mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Economy And Finance
- Improves Economic Growth+1Improves Small Business Support+1
- Demographic And Interest Groups
- Good For Business Owners+1
- 5/13/2026
- Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 5/12/2026
- Motion to reconsider laid on the table Agreed to without objection.
- Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
- On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
- DEBATE - The House proceeded with forty minutes of debate on H.R. 4478.
- Considered under suspension of the rules. (consideration: CR H3357-3359)
- Mr. Hill (AR) moved to suspend the rules and pass the bill.
- 9/8/2025
- Reported by the Committee on Financial Services. H. Rept. 119-252.
- Placed on the Union Calendar, Calendar No. 209.
- 7/23/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported by the Yeas and Nays: 48 - 0.
- 7/22/2025
- Committee Consideration and Mark-up Session Held
- 7/17/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Ritchie TorresDemocrat · New York