HUMPS Act of 2025

HR 3379 (HUMPS Act of 2025) aims to reform the CAMELS rating system used by federal regulators to assess bank safety and soundness. It requires the Federal Financial Institutions Examination Council to develop objective criteria for each CAMELS component (Capital, Asset quality, Management, Earnings, Liquidity, Sensitivity), revise how components are weighted, and either eliminate or strictly limit the "Management" rating to objective governance metrics. The bill mandates that regulators issue final rules within 12 months, including a 60-day public comment period, to ensure ratings rely solely on transparent, objective measures. This directly affects banks subject to CAMELS evaluations and federal banking regulators responsible for implementing the changes.