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119-hr-5270119th CongressWALLET

Stress Testing Accountability and Transparency Act

Sponsored By: Representative Huizenga, Bill [R-MI-4]

In Committee

Summary

Stress test transparency is the main goal. This bill would require the Federal Reserve to publish the models, assumptions, formulas, and methods it uses for large-company stress tests and to limit how it changes those methods.

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 0 benefits, 0 costs, 2 mixed.

Clearer rules and advance notice for Fed stress tests

If enacted, the Federal Reserve would have 90 days to issue a rule that lists the models, assumptions, formulas, and methods it uses for bank stress tests. Any material change to those methods would need public notice and comments. The Fed would have to avoid double‑counting the same risks across different capital rules. When two or more test results exist for a firm, the Fed would use results from two or more analyses to set that firm’s stress capital buffer. Starting the first calendar year after enactment, the Fed would post each test scenario at least 60 days before a test. This section would not force the Fed to set a stress capital buffer for any firm.

No climate stress tests for banks

If enacted, the Federal Reserve would be barred from using its stress‑test authority to run climate‑related stress tests on bank holding companies or nonbank financial companies. This limit would take effect on enactment.

Sponsors & CoSponsors

Sponsor

Huizenga, Bill [R-MI-4]

MI • R

Cosponsors

  • Rep. Barr, Andy [R-KY-6]

    KY • R

    Sponsored 9/10/2025

  • Rep. Sessions, Pete [R-TX-17]

    TX • R

    Sponsored 9/15/2025

Roll Call Votes

No roll call votes available for this bill.

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