H.R. 4478 explained · 119th Congress · Pending in Congress
TRUST Act of 2025
Cosponsors: 1 (1 D, 0 R) · per Congress.gov, 2026-10-08
Introduced: 2025-07-17
Latest action (2026-05-13): Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
What H.R. 4478 does, in plain terms
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.
Official summary by the Congressional Research Service, via Congress.gov.
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