Bill > HR4478

This bill modifies the Federal Deposit Insurance Act to increase the asset threshold for less frequent bank examinations from $3 billion to $6 billion. Specifically, the TRUST Act of 2025 allows federal banking agencies to examine qualifying insured depository institutions with under $6 billion in total assets not less than once during each 18-month period, instead of the previous threshold of $3 billion. This change means that smaller banks with assets between $3 billion and $6 billion will now be subject to the less frequent examination cycle, potentially reducing regulatory burden and administrative costs for mid-sized financial institutions. The bill aims to provide more tailored regulatory oversight by adjusting the examination frequency for well-managed institutions based on their size, potentially allowing these banks to focus more resources on their core banking activities.

Business and Industry

https://www.congress.gov/bill/119th-congress/house-bill/4478/all-info