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.
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TRUST Act of 2025 is a House bill passed by the House. The latest recorded action: Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358).
Latest action on H.R. 4478: Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
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.
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