TRUST Act of 2025
Sponsored By: Representative Moore (NC)
Passed House
Summary
This bill would raise the asset threshold for the 18-month exam cycle from $3 billion to $6 billion.
Show full summary
It expands which insured depository institutions count as "well-managed" for supervisory testing under the Federal Deposit Insurance Act.
- Banks with $3 billion to $6 billion in assets: Would become newly eligible for exams as infrequently as once every 18 months, changing how often they face supervisory reviews.
- Federal banking agencies: Would be allowed to apply the longer 18-month cycle to a larger group of institutions under 12 U.S.C. 1820(d), shifting supervisory coverage and testing scope.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Less frequent exams for mid-sized banks
This bill would raise the asset cutoff in FDIC exam rules from $3,000,000,000 to $6,000,000,000. Qualifying, well-managed banks under $6,000,000,000 in assets would be eligible for an 18-month exam cycle. Banks with $3,000,000,000 to $6,000,000,000 in assets would newly qualify. The bill would not add new programs or funding.
Sponsors & CoSponsors
Sponsor
Moore (NC)
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.
View on Congress.gov