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HR 5270 119th Congress House Finance and Financial Sector Bank accounts, deposits, capital Banking and financial institutions regulation Congressional oversight Federal Reserve System Financial crises and stabilization Government information and archives Government studies and investigations Performance measurement

Stress Testing Accountability and Transparency Act

Introduced: September 10, 2025 Introduced by: Huizenga, Bill Republican · Michigan See on congress.gov
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 Everywhere this bill has been 6 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Nov 4, 2025
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-366.
Nov 4, 2025
Placed on the Union Calendar, Calendar No. 318.
Sep 16, 2025
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24.
Sep 16, 2025
Committee Consideration and Mark-up Session Held
Sep 10, 2025
Introduced in House
Sep 10, 2025
Referred to the House Committee on Financial Services.
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 Plain-English summary Congressional Research Service

Stress Testing Accountability and Transparency Act

This bill requires the Federal Reserve Board to make public certain details concerning annual stress tests performed by the board and prohibits certain stress test practices. (Stress tests assess a financial institution’s response to a hypothetical disruptive economic event. The board sets an institution’s capital requirements or stress capital buffer based on the results.) 

Specifically, the bill requires the board to issue a rule that establishes the models, assumptions, and methods used by the board to perform annual stress tests on certain nonbank financial companies and large bank holding companies. The board must also issue a rule determining the stress capital buffer requirement for certain companies that have at least two results from periodic stress tests. In addition, the board must disclose annually each scenario to be used in stress testing.

Further, the board is prohibited from materially changing stress test methodologies outside of the rulemaking process. The board must also ensure that stress capital buffer requirements and risk-based capital requirements do not contain capital requirements for the same risks. The board is also prohibited from performing climate-related stress tests. 

The Government Accountability Office must report on the effectiveness of the stress tests every three years.

What's happening now November 4, 2025

Placed on the Union Calendar, Calendar No. 318.

 Hearings & markups 1
  • Various Measures
    Markup Sep 16, 2025 · 10:00 AM EDT · Financial Services Committee
 Bill text 2 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 9

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

See all 9 filings →
 Cosponsors 2
All 2 Republican 2
R
Sessions, Pete
Texas · Sep 15, 2025
 R
Barr, Andy
Kentucky · Sep 10, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5270: Stress Testing Accountability and Transparency Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-5270/
MLA
"H.R. 5270: Stress Testing Accountability and Transparency Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-5270/.
Bluebook (legal)
H.R. 5270, 119th Cong. (2026), https://openamerica.io/bill/119-HR-5270/.
Markdown link
[H.R. 5270: Stress Testing Accountability and Transparency Act](https://openamerica.io/bill/119-HR-5270/)
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