We have received text from H.R. 4478: Tailored Regulatory Updates for Supervisory Testing Act of 2025. This bill was received on 2025-07-17, and currently has 1 cosponsor.
Here is a short summary of the bill:
This bill, titled the
Tailored Regulatory Updates for Supervisory Testing Act of 2025
or
TRUST Act of 2025
, proposes changes to the examination cycle for federally insured banks, specifically those with total assets under $6 billion. Here are the main points of the bill:
Examination Cycle Adjustment
Currently, federal banking agencies are required to examine certain insured banks with total assets exceeding $3 billion more frequently. This bill seeks to increase that asset threshold from $3 billion to $6 billion. The key provisions include:
- Examination Frequency: The bill allows qualifying banks with assets under $6 billion to be examined no more than once every 18 months, rather than more frequent assessments that might apply under current regulations.
- Focus on Well-Managed Institutions: The revisions reflect a focus on reducing the regulatory burden on well-managed and smaller institutions that are deemed to possess a lower risk.
Goals of the Bill
The proposed changes aim to accomplish the following:
- Reduce the regulatory load on small banks, allowing them to focus resources on providing services rather than preparing for frequent examinations.
- Encourage the growth and sustainability of smaller banks by ensuring they are not overly burdened by compliance requirements.
- Adjust the regulatory framework to better match the risk profiles of smaller banking institutions, promoting efficiency in supervisory practices.
Impact on Supervision
By permitting less frequent examinations for these smaller banks, the bill may alter the landscape of oversight in the banking industry, allowing federal agencies to redirect their resources toward larger or more complex banking institutions that may present a higher risk to the financial system.
The Legislative Process
This bill was introduced in the House of Representatives on July 17, 2025, by Mr. Moore of North Carolina alongside Mr. Torres of New York. The bill has been referred to the Committee on Financial Services for further consideration.
Relevant Companies
- None found
Representative Tim Moore Bill Proposals
Here are some bills which have recently been proposed by Representative Tim Moore:
- H.R.4478: TRUST Act of 2025
- H.R.4287: To enhance penalties for the use of incendiary devices, including burning the flag of the United States, in the commission of Federal offenses, and for other purposes.
- H.R.4238: DLARA
- H.R.4012: National Airport Supersonic Readiness Act of 2025
- H.R.3780: Border Operations Service Medal Act
- H.R.2950: Disaster Relief Transparency Act
You can track bills proposed by Representative Tim Moore on Quiver Quantitative's politician page for Moore.
Representative Tim Moore Stock Trading
We have data on up to $13.6M of trades from Representative Tim Moore, which we parsed from STOCK Act filings. Some of the largest trades include:
- A May 2nd, 2025 sale of up to $500K of $AAL. The stock has risen 18.92% since then.
- A January 7th, 2025 sale of up to $500K of $HOG. The stock has fallen 20.03% since then.
- A February 6th, 2025 sale of up to $250K of $SMCYY.
- A April 15th, 2025 sale of up to $250K of $F. The stock has risen 18.1% since then.
- A June 2nd, 2025 sale of up to $250K of $AAPL. The stock has risen 4.7% since then.
You can track Representative Tim Moore's stock trading on Quiver Quantitative's politician page for Moore.
This article is not financial advice. See Quiver Quantitative's disclaimers for more information.
