H.R. 4478

119th Congress

In Committee

TRUST Act of 2025

Sponsored byRepublican:Rep. Moore, Tim [R-NC-14]NC· Introduced 17 July 2025
Open on Congress.gov

1

Cosponsors

16

Actions

0

Amendments

2

Committees

—

Since introduced

Introduced
Committee
Passed Chamber
Passed Both
Enacted
Step 1 of 0
Latest action

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

13 May 2026·2 months ago

Summary

Introduced in House · Updated 7 May 2026

Tailored Regulatory Updates for Supervisory Testing Act of 2025 or the TRUST Act of 2025

This bill permits additional small insured depository institutions that are considered well-capitalized and well-managed (per their most recent examination) to qualify for less frequent examinations conducted by federal financial regulators. Specifically, the bill raises the maximum asset level that qualifies an institution for less frequent examinations from less than $3 billion to less than $6 billion. 

Timeline

16 actions

  1. Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    13 May 2026 · IntroReferral

  2. Motion to reconsider laid on the table Agreed to without objection.

    12 May 2026 · Floor

  3. Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote.

    12 May 2026 · Floor

  4. Mr. Hill (AR) moved to suspend the rules and pass the bill.

    12 May 2026 · Floor

  5. DEBATE - The House proceeded with forty minutes of debate on H.R. 4478.

    12 May 2026 · Floor

  6. Mr. Hill (AR) moved to suspend the rules and pass the bill.

    12 May 2026 · Floor

  7. Considered under suspension of the rules. (consideration: CR H3357-3359)

    12 May 2026 · Floor

  8. On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)

    12 May 2026 · Floor

  9. Reported by the Committee on Financial Services. H. Rept. 119-252.

    8 September 2025 · Committee

  10. Placed on the Union Calendar, Calendar No. 209.

    8 September 2025 · Calendars

  11. Reported by the Committee on Financial Services. H. Rept. 119-252.

    8 September 2025 · Committee

  12. Reported by the Committee on Financial Services. H. Rept. 119-252.

    8 September 2025 · Committee

  13. Ordered to be Reported by the Yeas and Nays: 48 - 0.

    23 July 2025 · Committee

  14. Committee Consideration and Mark-up Session Held

    23 July 2025 · Committee

  15. Committee Consideration and Mark-up Session Held

    23 July 2025 · Committee

  16. Committee Consideration and Mark-up Session Held

    22 July 2025 · Committee

  17. Committee Consideration and Mark-up Session Held

    22 July 2025 · Committee

  18. Referred to the House Committee on Financial Services.

    17 July 2025 · IntroReferral

  19. Introduced in House

    17 July 2025 · IntroReferral

  20. Introduced in House

    17 July 2025 · IntroReferral

Sponsorship

1 cosponsors

Sponsor

Republican:Rep. Moore, Tim [R-NC-14]NC

Cosponsors

  • Democrat1100%

Classification

Policy area

Finance and Financial Sector

Legislative subjects

Bank accounts, deposits, capitalBanking and financial institutions regulationCorporate finance and managementFederal Deposit Insurance Corporation (FDIC)Performance measurement

Committees

2

  • Financial Services Committee

    House · Standing

    • Referred To17 Jul 2025
    • Markup By22 Jul 2025
    • Markup By23 Jul 2025
    • Reported By8 Sept 2025

  • Banking, Housing, and Urban Affairs Committee

    Senate · Standing

    • Referred To13 May 2026

Reports

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