HR 4478
Passed a chamber
Raises from $3 billion to $6 billion the asset size limit for well-managed insured banks that federal regulators may examine at least once every 18 months.
Official title: TRUST Act of 2025
Timeline each lane is a chamber; dates pull from congress.gov actions
House
Introduced
17-JUL-2025
Referred
17-JUL-2025
Approved by committee
23-JUL-2025
Reported
08-SEP-2025
On the calendar
08-SEP-2025
Passed
12-MAY-2026
Senate
Received
13-MAY-2026
- Replaces the $3 billion asset threshold with $6 billion in Section 10(d) of the Federal Deposit Insurance Act, in two places: paragraph (4)(A) and paragraph (10)
- Covers insured depository institutions with under $6 billion in total assets that qualify for the less frequent examination schedule
- Sets the examination schedule at no less than once during each 18-month period
Covers an older version. The newest CRS summary describes the bill as of "Introduced in House" (17-JUL-2025); the text has changed since (Engrossed in House, 12-MAY-2026).
CRS is the Library of Congress's nonpartisan research office. Read it on congress.govFinance and Financial Sector
■ 1 D
1 Democrat