H.R. 4478 House Finance and Financial Sector
Tailored Regulatory Updates for Supervisory Testing Act of 2025
STAGE 4 OF 8 — HOUSE FLOOR
Currently in the House. Last action: received in the senate and read twice and referred to the committee on banking, housing, and urban affairs on May 13, 2026.
- House Introduced in House Jul 17, 2025
- House Referred to the House Committee on Financial Services. Jul 17, 2025
- House Committee Consideration and Mark-up Session Held Jul 22, 2025
- House Committee Consideration and Mark-up Session Held Jul 23, 2025
- House Ordered to be Reported by the Yeas and Nays: 48 - 0. Jul 23, 2025
- House Reported by the Committee on Financial Services. H. Rept. 119-252. Sep 8, 2025
- House Placed on the Union Calendar, Calendar No. 209. Sep 8, 2025
- House Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358) May 12, 2026
- House Mr. Hill (AR) moved to suspend the rules and pass the bill. May 12, 2026
- House Considered under suspension of the rules. (consideration: CR H3357-3359) May 12, 2026
- House DEBATE - The House proceeded with forty minutes of debate on H.R. 4478. May 12, 2026
- House Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. May 12, 2026
- House On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358) May 12, 2026
- House Motion to reconsider laid on the table Agreed to without objection. May 12, 2026
- Senate Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. May 13, 2026
Cosponsors
1
Subjects
Bank accounts, deposits, capitalBanking and financial institutions regulationCorporate finance and managementFederal Deposit Insurance Corporation (FDIC)Performance measurement
Committees
- Banking, Housing, and Urban Affairs Committee
- [Referred To, May 13, 2026]
- Financial Services Committee
- [Reported By, Sep 8, 2025]
- [Markup By, Jul 23, 2025]
- [Markup By, Jul 22, 2025]
- [Referred To, Jul 17, 2025]
Summary
Tailored Regulatory Updates for Supervisory Testing Act of 2025 or the TRUST Act of 2025This 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.
[Summary as of: Introduced in House]
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