Bill > HR4478

This bill, known as the TRUST Act of 2025, amends the Federal Deposit Insurance Act to adjust the frequency of examinations for certain financial institutions. Specifically, it allows federal banking agencies, such as the Federal Deposit Insurance Corporation (FDIC), to examine qualifying insured depository institutions with less than $6 billion in total assets no less than once every 18 months, rather than the previous threshold of $3 billion. This change aims to tailor regulatory oversight to the size and complexity of these institutions, potentially reducing the burden on smaller, well-managed banks while ensuring continued safety and soundness in the financial system.