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House bill · H.R. 4478 (119th Congress)

TRUST Act of 2025

U.S. House of Representatives

Latest action May 13, 2026

Sponsor: Tim Moore (U.S. Representative, NC-14, Republican)

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From Congress.gov and official rosters. This record was last updated Aug 3, 2026. About our data

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.

Summary from the Congressional Research Service. How we handle summaries

Where it stands

Passed one of the two chambers; it still needs the other.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

House Committee on Financial Services · U.S. House of Representatives

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Cosponsors

1

Cosponsors listed on Congress.gov, shown A to Z.

  • Democratic1

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Related bills

As identified by Congress.gov.

Full history

  1. May 13, 2026

    In committee

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

    U.S. House

  2. May 13, 2026

    Sent to the executive

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

    U.S. Senate

  3. May 12, 2026

    Considered Under Suspension of the rules. (consideration: cr H3357-3359)

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

  4. May 12, 2026

    Considered Under Suspension of the rules. (consideration: cr H3357-3359)

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

  5. May 12, 2026

    Considered Under Suspension of the rules. (consideration: cr H3357-3359)

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

Show full history (23 earlier events)
  1. May 12, 2026

    Debate - the House Proceeded With Forty Minutes of Debate on H.R. 4478.

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

    U.S. House of Representatives

  2. May 12, 2026

    Passed a chamber

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

  3. May 12, 2026

    Passed a chamber

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

  4. May 12, 2026

    Passed a chamber

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

  5. May 12, 2026

    Passed a chamber

    Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)

    U.S. House of Representatives

  6. Sep 8, 2025

    Placed on the Union Calendar, Calendar No. 209.

  7. Sep 8, 2025

    Placed on the Union Calendar, Calendar No. 209.

  8. Sep 8, 2025

    Placed on the Union Calendar, Calendar No. 209.

  9. Sep 8, 2025

    Reported out of committee

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

  10. Sep 8, 2025

    Reported out of committee

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

  11. Sep 8, 2025

    Reported out of committee

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

  12. Jul 23, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  13. Jul 23, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  14. Jul 23, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  15. Jul 23, 2025

    Reported out of committee

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

  16. Jul 23, 2025

    Reported out of committee

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

  17. Jul 23, 2025

    Reported out of committee

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

  18. Jul 22, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  19. Jul 22, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  20. Jul 22, 2025

    Committee vote

    Committee Consideration and Mark-up Session Held

  21. Jul 17, 2025

    Introduced

    Introduced in House

    U.S. House of Representatives

  22. Jul 17, 2025

    Introduced

    Introduced in U.S. House

    U.S. House

  23. Jul 17, 2025

    Referred to committee

    Referred to the House Committee on Financial Services.

    U.S. House of Representatives

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