TRUST Act of 2025
The TRUST Act of 2025 amends the Federal Deposit Insurance Act to increase the asset threshold for banks qualifying for less frequent examinations. It raises the threshold from $3 billion to $6 billion in assets for well-managed institutions under Section 10(d). This change directly affects larger banks meeting the revised criteria, reducing their required examination frequency. The key mechanism is modifying specific asset value thresholds in existing regulatory provisions without altering the underlying examination standards.
Bill status
passed
3 of 5 stages cleared
Introduction
Jul 2025
Committee Review
May 2026
House Passage
May 2026
Senate Passage
President
Introduced Jul 17, 2025
Last action May 13, 2026
Maddy AI version diff · 1 comparison
What changed between versions
Introduced in House
→
Engrossed in House
·
3 edits
·
May 12, 2026
MINOR
The changes between the Introduced and Engrossed versions of HR 4478 (TRUST Act of 2025) are purely formatting and typographical in nature. No substantive policy language was altered. The bill still doubles the asset threshold from $3 billion to $6 billion for well-managed institutions eligible for extended examination cycles.
TECHNICAL
Added a trailing space after 'institutions' in section 2 heading
Inserted a blank line after the introductory clause 'Section 10(d) of the Federal Deposit Insurance Act (12 U.S.C. 1820(d)) is amended'
Added leading indentation spaces to items (1) and (2) for consistent formatting
Floor votes
How they voted
This bill passed the House by voice vote (no roll call recorded).
Full legislative history
Actions timeline
Total actions
14
Key actions
4
Committee
5
May 13, 2026
Committee
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
upper
May 12, 2026
Lower · Passed
Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
lower
Sep 8, 2025
Lower · Passed
Reported by the Committee on Financial Services. H. Rept. 119-252.
lower
Jul 23, 2025
Lower · Passed
Committee Consideration and Mark-up Session Held
lower
Jul 22, 2025
Lower · Passed
Committee Consideration and Mark-up Session Held
lower
Jul 17, 2025
Committee
Referred to the House Committee on Financial Services.
lower
Jul 17, 2025
Introduced
Introduced in House
lower
1 primary · 1 co-sponsor
Sponsors
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