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HR 4478Passed HouseFinancehouse
TRUST Act of 2025
Introduced Jul 17, 2025 by Rep. Tim Moore
IntroducedCommitteeFloorCongressLaw
The House passed it. The Senate has to pass it before it can reach the President.
Latest action · May 13, 2026
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
What it does
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 by the Congressional Research Service.
Roll-call votes
No recorded roll-call vote on this bill — it may have passed by voice vote or unanimous consent, which don't record individual votes.
History
- May 13, 2026Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- May 12, 2026Motion to reconsider laid on the table Agreed to without objection.
- May 12, 2026On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
- May 12, 2026Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H3358)
- May 12, 2026DEBATE - The House proceeded with forty minutes of debate on H.R. 4478.
- May 12, 2026Considered under suspension of the rules. (consideration: CR H3357-3359)
- May 12, 2026Mr. Hill (AR) moved to suspend the rules and pass the bill.
- Sep 8, 2025Placed on the Union Calendar, Calendar No. 209.
- Sep 8, 2025Reported by the Committee on Financial Services. H. Rept. 119-252.
- Jul 23, 2025Ordered to be Reported by the Yeas and Nays: 48 - 0.
- Jul 23, 2025Committee Consideration and Mark-up Session Held
- Jul 22, 2025Committee Consideration and Mark-up Session Held
- Jul 17, 2025Referred to the House Committee on Financial Services.
- Jul 17, 2025Introduced in House