H.R. 3379 requires federal regulators to overhaul the CAMELS bank rating system so scores are based on clear, measurable criteria rather than subjective judgment. It also ties ratings to anti-money-laundering compliance and gives the public a chance to weigh in on the new rules.
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HUMPS Act of 2025 is a House bill waiting for floor action. The latest recorded action: Placed on the Union Calendar, Calendar No. 136.
Latest action on H.R. 3379: Placed on the Union Calendar, Calendar No. 136.
Who this affects: This bill mainly affects U.S. banks and the federal agencies that regulate them. Banks would face new, more standardized rating criteria that could change how they are graded and what they need to do to earn top marks. Bank holding companies could see changes in whether they qualify for certain regulatory benefits tied to being rated 'well managed.' The public and consumer groups would get a formal chance to comment on the proposed changes.
Why this matters: Bank safety ratings influence major decisions like mergers, growth plans, and how much banks pay for deposit insurance. Making these ratings more objective and transparent could lead to fairer, more consistent grading across banks. However, removing subjective judgment about management quality could also mean regulators miss warning signs that numbers alone do not capture.
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