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OfficialUS · federal · United States CongressHR.4478· House· 119th Congress

TRUST Act of 2025

Sponsored byRep. Moore, Tim [R-NC-14]
Economy
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Official summary

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.

Status timeline

Introduced 7/17/2025
  1. 5/13/2026
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. 5/12/2026, 3:56:31 PM
    Motion to reconsider laid on the table Agreed to without objection.
  3. 5/12/2026, 3:56:26 PM
    On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
  4. 5/12/2026, 3:56:26 PM
    Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
  5. 5/12/2026, 3:43:54 PM
    DEBATE - The House proceeded with forty minutes of debate on H.R. 4478.
  6. 5/12/2026, 3:43:53 PM
    Considered under suspension of the rules. (consideration: CR H3357-3359)
  7. 5/12/2026, 3:43:43 PM
    Mr. Hill (AR) moved to suspend the rules and pass the bill.
  8. 9/8/2025
    Placed on the Union Calendar, Calendar No. 209.
  9. 9/8/2025
    Reported by the Committee on Financial Services. H. Rept. 119-252.
  10. 9/8/2025
    Reported by the Committee on Financial Services. H. Rept. 119-252.
  11. 7/23/2025
    Ordered to be Reported by the Yeas and Nays: 48 - 0.
  12. 7/23/2025
    Committee Consideration and Mark-up Session Held
  13. 7/22/2025
    Committee Consideration and Mark-up Session Held
  14. 7/17/2025
    Referred to the House Committee on Financial Services.
  15. 7/17/2025
    Introduced in House
  16. 7/17/2025
    Introduced in House