Both sides have signed this (Bill Ranking)
H.R. 4478 · 119th Congress (2025-2026)
2 members · Left 1 · Center 0 · Right 1 (Bill Ranking)
| Sponsor | Rep. Moore, Tim (R-NC) (Introduced 07/17/2025) |
|---|---|
| Sponsor Voting Record | Right · DW-NOMINATE +0.58 · measured from every roll-call vote this member has cast (voteview.com) (Sponsor Ranking) |
| Support |
LLLCLRR support across the spectrum: 2 members signed on (Bill Ranking) this bill: sponsor + current cosponsors, each once |
| Committees | Senate - Banking, Housing, and Urban Affairs Committee; House - Financial Services Committee; House - Financial Services Committee; House - Financial Services Committee; House - Financial Services Committee |
| Latest Action | 05/13/2026 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Roll Call Votes | There have been no roll call votes |
| Source | view on congress.gov → |
Introduced in House (07/17/2025)
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.
119 HR 4478 EH: Tailored Regulatory Updates for Supervisory Testing Act of 2025 U.S. House of Representatives text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IB 119th CONGRESS2d Session H. R. 4478
IN THE HOUSE OF REPRESENTATIVES 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 titleThis 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 institutionsSection 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.
119 HR 4478 IH: Tailored Regulatory Updates for Supervisory Testing Act of 2025 U.S. House of Representatives 2025-07-17 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. I119th CONGRESS1st SessionH. R. 4478IN THE HOUSE OF REPRESENTATIVESJuly 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 ServicesA BILLTo 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 titleThis 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 institutionsSection 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.
119 HR 4478 : Tailored Regulatory Updates for Supervisory Testing Act of 2025 U.S. House of Representatives 2026-05-13 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IIB119th CONGRESS2d SessionH. R. 4478IN THE SENATE OF THE UNITED STATESMay 13, 2026Received; read twice and referred to the Committee on Banking, Housing, and Urban AffairsAN ACTTo 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 titleThis 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 institutionsSection 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.
119 HR 4478 RH: Tailored Regulatory Updates for Supervisory Testing Act of 2025 U.S. House of Representatives 2025-09-08 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IBUnion Calendar No. 209119th CONGRESS1st SessionH. R. 4478[Report No. 119–252]IN THE HOUSE OF REPRESENTATIVESJuly 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 ServicesSeptember 8, 2025Committed to the Committee of the Whole House on the State of the Union and ordered to be printedA BILLTo 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 titleThis 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 institutionsSection 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.September 8, 2025Committed to the Committee of the Whole House on the State of the Union and ordered to be printed
The bill's own words, from our database (synced from the GPO BILLS XML); paragraph breaks added at the bill's section boundaries, nothing else changed.
| Date | Chamber | All Actions |
|---|---|---|
| 07/17/2025 | Library of Congress | Introduced in House |
| 07/17/2025 | Library of Congress | Introduced in House |
| 07/17/2025 | House floor actions | Referred to the House Committee on Financial Services. |
| 07/22/2025 | House committee actions | Committee Consideration and Mark-up Session Held |
| 07/23/2025 | House committee actions | Committee Consideration and Mark-up Session Held |
| 07/23/2025 | House committee actions | Ordered to be Reported by the Yeas and Nays: 48 - 0. |
| 09/08/2025 | Library of Congress | Reported by the Committee on Financial Services. H. Rept. 119-252. |
| 09/08/2025 | House floor actions | Reported by the Committee on Financial Services. H. Rept. 119-252. |
| 09/08/2025 | House floor actions | Placed on the Union Calendar, Calendar No. 209. |
| 05/12/2026 | House floor actions | Mr. Hill (AR) moved to suspend the rules and pass the bill. |
| 05/12/2026 | House floor actions | Considered under suspension of the rules. (consideration: CR H3357-3359) |
| 05/12/2026 | House floor actions | DEBATE - The House proceeded with forty minutes of debate on H.R. 4478. |
| 05/12/2026 | Library of Congress | Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358) |
| 05/12/2026 | House floor actions | On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358) |
| 05/12/2026 | House floor actions | Motion to reconsider laid on the table Agreed to without objection. |
| 05/13/2026 | Senate | Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Title Type | Title |
|---|---|
| Display Title | TRUST Act of 2025 |
| Short Titles from RFS (Referred to Senate) bill text | TRUST Act of 2025 |
| Short Titles from RFS (Referred to Senate) bill text | Tailored Regulatory Updates for Supervisory Testing Act of 2025 |
| Short Title(s) as Passed House | Tailored Regulatory Updates for Supervisory Testing Act of 2025 |
| Official Titles from EH (Engrossed in House) bill text | 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. |
| Short Title(s) as Passed House | TRUST Act of 2025 |
| Short Title(s) as Reported to House | TRUST Act of 2025 |
| Short Title(s) as Reported to House | Tailored Regulatory Updates for Supervisory Testing Act of 2025 |
| Short Title(s) as Introduced | Tailored Regulatory Updates for Supervisory Testing Act of 2025 |
| Short Title(s) as Introduced | TRUST Act of 2025 |
| Official Title as Introduced | 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. |
There are no amendments to this bill.
* = Original cosponsor
| Committee | Activity |
|---|---|
| Senate - Banking, Housing, and Urban Affairs Committee | 05/13/2026 Referred To |
| House - Financial Services Committee | 09/08/2025 Reported By |
| House - Financial Services Committee | 07/23/2025 Markup By |
| House - Financial Services Committee | 07/22/2025 Markup By |
| House - Financial Services Committee | 07/17/2025 Referred To |
Policy Area: Finance and Financial Sector
All data on this page comes from our own database (legislation.congress_* tables), synced daily from the GPO govinfo BILLSTATUS and BILLS collections. Formatted after congress.gov; nothing is generated. Member placement is their DW-NOMINATE score (voteview.com, Lewis et al.) - a measurement of roll-call voting behavior, not our judgement. Buckets: Left below −0.50 · Lean Left to −0.25 · Center to +0.25 · Lean Right to +0.50 · Right above +0.50. The bill's Support meter aggregates the people who signed the bill - sponsor and current cosponsors, each counted once - nothing else.