H.R. 4478 — Introduced in House

I 119th CONGRESS 1st Session H. R. 4478 IN THE HOUSE OF REPRESENTATIVES July 17, 2025Mr. 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 A BILL 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. 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. 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.