TRUST Act of 2025

This section would give the Act the short title "Tailored Regulatory Updates for Supervisory Testing Act of 2025," also called the "TRUST Act of 2025."

This section would amend Section 10(d) of the Federal Deposit Insurance Act (12 U.S.C. 1820(d)) by replacing the dollar figure $3,000,000,000 with $6,000,000,000 in paragraph (4)(A), and by making the same replacement, $3,000,000,000 to $6,000,000,000, in paragraph (10). Section 10(d) sets the rules for how often a Federal banking agency must examine an insured depository institution, and it lets qualifying institutions be examined not less than once during each 18-month period instead of a shorter standard cycle. By raising the total-assets threshold used in these two paragraphs from $3 billion to $6 billion, this section would let insured depository institutions with under $6 billion in total assets qualify for the 18-month examination cycle, doubling the size of institution that can qualify compared to current law.