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119-hr-4478119th CongressWALLET

TRUST Act of 2025

Sponsored By: Representative Moore, Tim [R-NC-14]

Passed House

Summary

Doubles the asset cutoff for less-frequent federal bank exams from $3 billion to $6 billion. Well-managed insured depository institutions with total assets under $6 billion may be examined by federal banking agencies at least once every 18 months.

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  • Banks and regional lenders: Institutions with assets between $3 billion and $6 billion that are deemed well-managed become eligible for an 18-month examination cadence. This expands the group previously limited to a $3 billion cutoff.
  • Federal banking agencies: Supervisory testing frequency is aligned to the higher $6 billion threshold, increasing the number of institutions covered by the 18-month schedule.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

More small banks get 18-month exams

This bill would raise the asset cutoff for a slower exam cycle for well‑managed insured banks from $3 billion to $6 billion. Banks with under $6 billion in total assets that are rated well‑managed would be eligible for exams at least once every 18 months. Larger or non‑qualifying banks would keep a more frequent exam schedule. The change would take effect upon enactment.

Sponsors & CoSponsors

Sponsor

Moore, Tim [R-NC-14]

NC • R

Cosponsors

  • Rep. Torres, Ritchie [D-NY-15]

    NY • D

    Sponsored 7/17/2025

Roll Call Votes

No roll call votes available for this bill.

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