Sponsored By: Senator Ted Budd
Introduced
Raises the asset threshold for well-managed institutions to $6 billion so more banks can qualify for an 18-month FDIC examination cycle. The TRUST Act of 2026 would amend two provisions of the Federal Deposit Insurance Act to replace the current $3 billion asset cap with $6 billion. As a result, insured depository institutions with assets between $3 billion and $6 billion that are classified as well-managed would become eligible for an examination cycle of not less than once every 18 months.
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1 provisions identified: 1 benefits, 0 costs, 0 mixed.
This bill would raise the bank asset cutoff used for a relaxed exam schedule from $3 billion to $6 billion. If enacted, insured banks that are rated "well-managed" and have between $3 billion and $6 billion in assets would become eligible for exams no less often than once every 18 months. Those banks would likely face lower compliance and inspection costs. Customers could see only small, indirect effects such as minor changes to fees or services.
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Ted Budd
NC • R
Andy Kim
NJ • D
Sponsored 2/11/2026
John Kennedy
LA • R
Sponsored 2/11/2026
Angela Alsobrooks
MD • D
Sponsored 2/11/2026
Pete Ricketts
NE • R
Sponsored 3/25/2026
Raphael Warnock
GA • D
Sponsored 3/25/2026
No roll call votes available for this bill.
View on Congress.govSurfaced from PRIA's policy knowledge graph — ranked by signal strength, connected by evidence.
Appropriations package that would fund Treasury and IRS while imposing rulemaking limits and detailed DC policy constraints, affecting taxpayers, community lenders, and DC residents.
The federal government runs two closely related conservation-workforce pipelines on public lands: the Youth Conservation Corps YCC and the Public Lands Corps PLC. YCC is a summer employment program fo
The Uruguay Round Agreements Act URAA of 1994 19 U.S.C. §§ 3501–3624 implemented U.S. membership in the World Trade Organization WTO and incorporated the Uruguay Round trade agreements — the broadest
The World Trade Center Health Program is a federally funded health benefits program that provides free medical monitoring and treatment to those who were exposed to the toxic dust, debris, and fumes f
Workers' compensation is the United States' primary workplace injury system — a no-fault insurance program where employees who are injured on the job receive medical coverage and partial wage replacem
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