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TRUST Act of 2025

9/23/2025, 9:26 PM

Summary of Bill HR 4478

This bill, designated as H.R. 4478 in the 119th Congress, aims to amend the Federal Deposit Insurance Act to authorize Federal banking agencies to conduct examinations on qualifying insured depository institutions holding under $6 billion in total assets at least once every 18 months. The bill includes provisions related to enhancing examination frequency for such institutions and specifies other purposes that may be outlined within the text of the bill introduced on July 17, 2025.

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Current Status of Bill HR 4478

Bill HR 4478 is currently in the status of Bill Introduced since July 17, 2025. Bill HR 4478 was introduced during Congress 119 and was introduced to the House on July 17, 2025.  Bill HR 4478's most recent activity was Placed on the Union Calendar, Calendar No. 209. as of September 8, 2025

Bipartisan Support of Bill HR 4478

Total Number of Sponsors
1
Democrat Sponsors
0
Republican Sponsors
1
Unaffiliated Sponsors
0
Total Number of Cosponsors
1
Democrat Cosponsors
1
Republican Cosponsors
0
Unaffiliated Cosponsors
0

Policy Area and Potential Impact of Bill HR 4478

Primary Policy Focus

Finance and Financial Sector

Alternate Title(s) of Bill HR 4478

To amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6 billion in total assets not less than once during each 18-month period, and for other purposes.
To amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6 billion in total assets not less than once during each 18-month period, and for other purposes.

Comments

Sponsors and Cosponsors of HR 4478

Tim Moore
Tim Moore
North CarolinaIndependent
Ritchie Torres
Ritchie Torres
New YorkDemocrat

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