Smaller, well-run banks and credit unions would not have to go through a full in-person exam every time. They could also ask regulators to combine several reviews into one visit, while regulators keep power to do extra checks when needed.
Modern Action explains legislation in plain English, 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.
SMART Act of 2025 is a Senate bill in committee. The latest recorded action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest action on H.R. 4437: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Who this affects: This bill mainly affects community banks and credit unions with $6 billion or less in assets. It matters most to institutions that are already well run and have enough capital. It also affects federal bank regulators, who would need to change exam rules, track exam practices, and report data to Congress.
Why this matters: This bill could make regulator exams less disruptive for many smaller banks and credit unions. Today, full in-person exams can take time and staff away from daily work. The bill tries to reduce that burden for healthy institutions. At the same time, it keeps regulator tools for higher-risk cases, so the real effect would depend on how agencies write and use the rules.
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: SMART Act of 2025
Smaller, well-run banks and credit unions would not have to go through a full in-person exam every time. They could also ask regulators to combine several reviews into one visit, while regulators keep power to do extra checks when needed.
Use this page to support, oppose, or ask Congress to amend H.R.4437. Modern Action explains SMART Act of 2025 in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Banking
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Latest: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (5/13/2026)
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 senators 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 SMART 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 (committee), 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.4437, your stance, and the reasons you choose, then lets you edit and send when ready.
