senateStanding
Banking, Housing, and Urban Affairs Committee
- Referred To
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H.R. 4478Passed House
TRUST Act of 2025
Introduced: Jul 17, 2025
Latest action date: May 13, 2026
Latest development
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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- Congress
- 119th Congress
- Introduced
- Jul 17, 2025
- Recorded roll calls
- 0
Status detail: The full action history records passage in the House.
Plain-language overview
What this bill does
Tailored Regulatory Updates for Supervisory Testing Act of 2025 or the TRUST Act of 2025
This bill permits additional small insured depository institutions that are considered well-capitalized and well-managed (per their most recent examination) to qualify for less frequent examinations conducted by federal financial regulators. Specifically, the bill raises the maximum asset level that qualifies an institution for less frequent examinations from less than $3 billion to less than $6 billion.
Official summary from Congress.gov.
Civixly topics
What this legislation is about
Civixly topics make federal and state legislation comparable. They are derived from the official CRS policy area and legislative subjects.
Official CRS policy area
Finance and Financial Sector
View 5 official legislative subjects
Bank accounts, deposits, capitalBanking and financial institutions regulationCorporate finance and managementFederal Deposit Insurance Corporation (FDIC)Performance measurement
Committee activity
Committees and subcommittees that received, reviewed, marked up, or reported this legislation.
Official committee record ↗
houseStanding
Financial Services Committee
- Referred To
- Markup By
- Markup By
- Reported By
Amendments
Proposed changes to this measure, with their latest official outcome or action from Congress.gov.
No amendments are listed for this measure.
Checked against Congress.gov Oct 2, 2026.
Action timeline
Newest action first. Action language comes from the official Congress.gov record.
View full action timeline16 actions
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
IntroReferralSenateMotion to reconsider laid on the table Agreed to without objection.
FloorHouse floor actionsOn motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
FloorHouse floor actionsPassed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
FloorLibrary of CongressDEBATE - The House proceeded with forty minutes of debate on H.R. 4478.
FloorHouse floor actionsConsidered under suspension of the rules. (consideration: CR H3357-3359)
FloorHouse floor actionsMr. Hill (AR) moved to suspend the rules and pass the bill.
FloorHouse floor actionsReported by the Committee on Financial Services. H. Rept. 119-252.
CommitteeLibrary of CongressReported by the Committee on Financial Services. H. Rept. 119-252.
CommitteeHouse floor actionsPlaced on the Union Calendar, Calendar No. 209.
CalendarsHouse floor actionsCommittee Consideration and Mark-up Session Held
CommitteeHouse committee actionsOrdered to be Reported by the Yeas and Nays: 48 - 0.
CommitteeHouse committee actionsCommittee Consideration and Mark-up Session Held
CommitteeHouse committee actionsIntroduced in House
IntroReferralLibrary of CongressReferred to the House Committee on Financial Services.
IntroReferralHouse floor actionsIntroduced in House
IntroReferralLibrary of Congress
Roll-call votes
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