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H.R. 4478 119th Congress House

TRUST Act of 2025

Official title: To amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6 billion in to… Show full official titleShow less

Official title: To amend the Federal Deposit Insurance Act to permit 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, and for other purposes.

Introduced: July 17, 2025 Introduced by: Tim Moore Republican · North Carolina See on congress.gov
Finance and Financial Sector Bank accounts, deposits, capitalBanking and financial institutions regulationCorporate finance and managementFederal Deposit Insurance Corporation (FDIC)Performance measurement
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 Everywhere this bill has been 14 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
May 13, 2026
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 12, 2026 · 3:56 PM EDT
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 · 3:43 PM EDT
DEBATE - The House proceeded with forty minutes of debate on H.R. 4478.
May 12, 2026 · 3:43 PM EDT
Considered under suspension of the rules. (consideration: CR H3357-3359)
May 12, 2026 · 3:43 PM EDT
Mr. Hill (AR) moved to suspend the rules and pass the bill.
May 12, 2026 · 3:56 PM EDT
Motion to reconsider laid on the table Agreed to without objection.
May 12, 2026 · 3:56 PM EDT
On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
Sep 8, 2025
Placed on the Union Calendar, Calendar No. 209.
Sep 8, 2025
Reported by the Committee on Financial Services. H. Rept. 119-252.
Jul 23, 2025
Ordered to be Reported by the Yeas and Nays: 48 - 0.
Jul 23, 2025
Committee Consideration and Mark-up Session Held
Jul 22, 2025
Committee Consideration and Mark-up Session Held
Jul 17, 2025
Introduced in House
Jul 17, 2025
Referred to the House Committee on Financial Services.
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What's happening now May 13, 2026

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Plain-English summary Congressional Research Service

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. 

 Hearings & markups 1
  • Various Measures
    Markup Jul 22, 2025 · 10:00 AM EDT · Financial Services Committee
 Related & companion bills 1
 Bill text 4 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Lobbying activity 28

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 28 filings →
 Cosponsors 1
All 1 Democratic 1
D
Torres, Ritchie
New York · Jul 17, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4478: TRUST Act of 2025. 119th Congress. Open America. https://openamerica.io/bill/119-HR-4478/
MLA
"H.R. 4478: TRUST Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-4478/.
Bluebook (legal)
H.R. 4478, 119th Cong. (2026), https://openamerica.io/bill/119-HR-4478/.
Markdown link
[H.R. 4478: TRUST Act of 2025](https://openamerica.io/bill/119-HR-4478/)
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