HUMPS Act of 2025
Sponsored By: Representative Fitzgerald
In Committee
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.
Show full summary
- 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.
Your PRIA Score
Personalized for You
How does this bill affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this bill and every other piece of legislation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Clearer rules for rating banks
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 governance and controls. Regulators would have to issue joint rules within 12 months of the council’s recommendations and allow at least 90 days for public comment. The bill would also update the “well‑managed” definition for bank holding companies to match these terms. It would not limit regulators’ power to act to keep banks safe.
Sponsors & CoSponsors
Sponsor
Fitzgerald
WI • R
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov