TRUST Act of 2025 in plain language
1: Short title
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."
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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
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.
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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 .