TRUST Act of 2025

Original

referredUnited States· United States Congress· EN

Introduced

17 July 2025

Last action

13 May 2026 · Introduced

Status

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

Summary

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. 

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

17 July 2025
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
17 July 2025
Introduced
Introduced in House
Source: IntroReferral
17 July 2025
Introduced
Introduced in House
Source: IntroReferral
22 July 2025
Committee
Committee Consideration and Mark-up Session Held
Source: Committee
23 July 2025
Vote
Ordered to be Reported by the Yeas and Nays: 48 - 0.
Source: Committee
23 July 2025
Committee
Committee Consideration and Mark-up Session Held
Source: Committee
8 September 2025
Calendars
Placed on the Union Calendar, Calendar No. 209.
Source: Calendars
8 September 2025
Reported
Reported by the Committee on Financial Services. H. Rept. 119-252.
Source: Committee
8 September 2025
Reported
Reported by the Committee on Financial Services. H. Rept. 119-252.
Source: Committee
12 May 2026
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
12 May 2026
Passed
On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
Source: Floor
12 May 2026
Passed
Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
Source: Floor
12 May 2026
Floor
DEBATE - The House proceeded with forty minutes of debate on H.R. 4478.
Source: Floor
12 May 2026
Floor
Considered under suspension of the rules. (consideration: CR H3357-3359)
Source: Floor
12 May 2026
Floor
Mr. Hill (AR) moved to suspend the rules and pass the bill.
Source: Floor
13 May 2026
Introduced
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Source: IntroReferral

Votes

No vote records are attached yet.

Versions

No version snapshots stored. Document URLs remain at the source.

Documents

5 official files

Referred in Senate
Referred in Senate · EN · 13 May 2026
Download Open at official source
Engrossed in House
Engrossed in House · EN · 12 May 2026
Download Open at official source
Reported in House
Reported in House · EN · 8 September 2025
Download Open at official source
Introduced in House
Introduced in House · EN · 17 July 2025
Download Open at official source
Introduced in House
summary · EN · 17 July 2025
Open at official source

Related records

related to ← TRUST Act of 2026

Sources

PoliticalRepo is an index and interpretation layer, not the authoritative legal source.

Official source: https://www.congress.gov/bill/119th-congress/house-bill/4478
Open data entity: https://api.congress.gov/v3/bill/119/hr/4478
us · 119-hr-4478 · source updated 17 July 2026