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.
Modern Action shows what the legislation would change, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
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.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: HUMPS Act of 2025
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.
Use this page to support, oppose, or ask Congress to amend H.R.3379. Modern Action shows what the bill would change, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
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The debate
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Latest: Placed on the Union Calendar, Calendar No. 136. (6/25/2025)
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to HUMPS Act of 2025, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (floor pending), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around H.R.3379, your stance, and the reasons you choose, then lets you edit and send when ready.
