# 119-hr-3379: HUMPS Act of 2025

119-hr-3379, HUMPS Act of 2025, is a 119th Congress bill sponsored by Rep. Fitzgerald, Scott [R-WI-5] (R-WI); status in_committee; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3379
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3379
- Congress: 119
- Title: HUMPS Act of 2025
- Status: in_committee
- Introduced: 2025-05-14
- Sponsor: Rep. Fitzgerald, Scott [R-WI-5] (R-WI)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Overhauls the CAMELS bank-rating system.** The HUMPS Act of 2025 would force the Federal Financial Institutions Examination Council and federal regulators to set clear, objective criteria for each CAMELS component, narrow the management component to measurable governance and controls, and tie composite ratings to anti-money-laundering compliance. - Banks and bank holding companies would face a reworked CAMELS that emphasizes objective tests and shifts the management component toward measurable governance and controls. - Anti-money-laundering and compliance would become explicit drivers of ratings by requiring composite CAMELS scores to reflect compliance with section 21 of the Federal Deposit Insurance Act, provisions of Public Law 91-508, and applicable Title 31 money-laundering rules. - Regulators and the public would get a formal joint rulemaking process that must produce rules within 12 months of recommendations and include a proposed rule with at least a 90 day public comment period. Agencies would retain authority to take supervisory or enforcement actions to ensure safety and soundness.

## Provisions PRIA read

- Clearer rules for rating banks: benefit, high. If enacted, the bank exam council would set clear, objective tests for each part of bank safety ratings. Ratings would have to use a transparent method and include anti‑money‑laundering and terrorist‑financing compliance. The management score could be removed or limited to objective checks on gover…

## Related bills

- 119-hr-4312: SCORE Act
- 119-hr-2570: Maximum Pressure Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-6766: Essential Caregivers Act of 2025
- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-10582: Motion Picture, Television, and Entertainment Revitalization Act

## Sources
- [119-hr-3379 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3379)

## Related
- [119-hr-4312: SCORE Act](https://policyrisk.com/legislation/119-hr-4312)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-6766: Essential Caregivers Act of 2025](https://policyrisk.com/legislation/119-hr-6766)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-10582: Motion Picture, Television, and Entertainment Revitalization Act](https://policyrisk.com/legislation/119-hr-10582)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3379 (as of 2026-09-21).