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Summary Provided by Congressional Research Service
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.
Latest available text
1. Short title
This Act may be cited as the "Tailored Regulatory Updates for Supervisory Testing Act of 2025" or the "TRUST Act of 2025".
2. Modification of examination cycle thresholds for well-managed institutions
Section 10(d) of the Federal Deposit Insurance Act (12 U.S.C. 1820(d)) is amended—
(1) in paragraph (4)(A), by striking "$3,000,000,000" and inserting "$6,000,000,000"; and
(2) in paragraph (10), by striking "$3,000,000,000" and inserting "$6,000,000,000".September 8, 2025Committed to the Committee of the Whole House on the State of the Union and ordered to be printed