More banks with up to $6 billion in assets could go up to 18 months between full federal safety exams. They would still have to be financially strong and well-managed to qualify.
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.
TRUST 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. 4478: 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 and regional banks with more than $3 billion but not more than $6 billion in assets. If they meet the existing safety and management rules, they could have full federal safety exams less often. Federal banking regulators would also be affected because they would schedule fewer full exams for those qualifying banks.
Why this matters: Bank exams help regulators catch problems before they get bigger, and this bill would let more banks go longer between full exams. For qualifying banks, that could mean less paperwork, fewer staff hours spent on exams, and more time for regular banking work. The tradeoff is that some larger banks may have risks that are harder to see if full exams happen less often.
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: TRUST Act of 2025
More banks with up to $6 billion in assets could go up to 18 months between full federal safety exams. They would still have to be financially strong and well-managed to qualify.
Use this page to support, oppose, or ask Congress to amend H.R.4478. Modern Action explains TRUST 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.
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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 TRUST 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.4478, your stance, and the reasons you choose, then lets you edit and send when ready.
