H.R. 4478 — Referred from Senate

IIB 119th CONGRESS 2d Session H. R. 4478 IN THE SENATE OF THE UNITED STATES May 13, 2026Received; read twice and referred to the Committee on Banking, Housing, and Urban Affairs AN ACT 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. Passed the House of Representatives May 12, 2026.Kevin F. McCumber,Clerk.