# 119-hr-4478: TRUST Act of 2025

119-hr-4478, TRUST Act of 2025, is a 119th Congress bill sponsored by Rep. Moore, Tim [R-NC-14] (R-NC); status passed_house; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-4478
- 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-4478
- Congress: 119
- Title: TRUST Act of 2025
- Status: passed_house
- Introduced: 2025-07-17
- Sponsor: Rep. Moore, Tim [R-NC-14] (R-NC)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## 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. - 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.

## Cosponsors (1)

- Rep. Torres, Ritchie [D-NY-15] (D-NY), 2025-07-17T00:00:00.000Z

## Provisions PRIA read

- More small banks get 18-month exams: benefit, low. 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…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-3816: Weather Act Reauthorization Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025

## Sources
- [119-hr-4478 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4478)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-3816: Weather Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-hr-3816)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4478 (as of 2026-09-21).