H.R. 4478: TRUST Act of 2025
A House bill (H.R.) in the 119th U.S. Congress.
Overview
| Congress | 119th U.S. Congress (2025–2026) |
|---|---|
| Type | House bill (H.R.) |
| Originating chamber | House |
| Introduced | 2025-07-17 |
| Sponsor | Rep. Moore, Tim [R-NC-14] |
| Policy area | Finance and Financial Sector |
| Cosponsors | 1 |
| Latest action | 2026-05-13 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Last updated | 2026-07-17 |
Summary
Official summary (Introduced in House, 2025-07-17):
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.
Cosponsors (1)
| Name | Party / state |
|---|---|
| Ritchie Torres | D NY (original cosponsor) 2025-07-17 |
Full text & official record
The official bill text, section-by-section summary, amendments, committee reports, and the complete legislative timeline for H.R. 4478 are published by Congress on congress.gov.
View H.R. 4478 on congress.gov →
Frequently asked questions
What is H.R. 4478?
H.R. 4478 is a House bill (H.R.) introduced in the 119th U.S. Congress, originating in the House. Official title: TRUST Act of 2025.
Where can I read the full bill text?
The full text, cosponsors, amendments, and legislative status for H.R. 4478 are available on congress.gov.
Bill data: congress.gov API (official congressional records).