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HR 4478 - 119

Referred in Senate

TRUST Act of 2025

Legislative Intelligence

Provision review

AI-assisted review using LawLinter source context, deterministic text signals, and selected source sections to flag provisions that may deserve human review. This is not a legal conclusion.

Expanded review · Published

The review identified that the bill's core provisions are consistent with its stated purpose of adjusting asset thresholds for bank examination cycles. No unrelated riders were detected; the findings reflect technical amendments to the Federal Deposit Insurance Act that align with the bill's summary.

Rider risk
Low
Highest severity 10%
Scope alignment
Strong
95% aligned with stated purpose
Coverage
1 / 4
Expanded review coverage
Signal density
Light
6 signals across 4 sections
Related

Sec. 10

Section 10(d) of the Federal Deposit Insurance Act (12 U.S.C.

Confidence 95% Severity 10%

This section contains the substantive amendments to the Federal Deposit Insurance Act, specifically updating the asset thresholds from $3 billion to $6 billion as described in the bill summary. While the section contains multiple dollar-amount signals, these are direct technical adjustments to the regulatory framework rather than unrelated spending provisions.

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''
Score and evidence
Deterministic score 18.4 Topic overlap 0% Low topic overlap
Summary relation

This section directly implements the primary objective of the bill as outlined in the summary.

Score inputs
  • statutory reference signal
  • spending signals: 4
  • candidate language uses terms outside the primary bill topic
AI evidence
  • The text explicitly amends 12 U.S.C. 1820(d) to raise the asset threshold for examination frequency.
  • The dollar amounts match the $6 billion threshold mentioned in the bill summary.
Counter-evidence
  • The high deterministic score is driven by the presence of dollar amounts, which are expected in a bill modifying financial asset thresholds.
SpendingStatutory Reference
4
Sections
5
Dollar amounts
0
Deadlines and effective dates
May 13, 2026
Text version date

Largest fiscal amounts

$6,000,000,000 2
$6,000,000,000 1
$3,000,000,000 2

Top statutory references

12 U.S.C. 1820 1

Official source

Official PDF

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Structured text

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4478 Referred in Senate (RFS)] 119th CONGRESS 2d Session H. R. 4478 _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES May 13, 2026 Received; read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ AN ACT 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. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
Sec. 1.

SECTION 1. SHORT TITLE.

SECTION 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''.
Sec. 2.

SEC. 2. MODIFICATION OF EXAMINATION CYCLE THRESHOLDS FOR WELL-MANAGED

SEC. 2. MODIFICATION OF EXAMINATION CYCLE THRESHOLDS FOR WELL-MANAGED INSTITUTIONS.
Sec. 10

Section 10(d) of the Federal Deposit Insurance Act (12 U.S.C.

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''. Passed the House of Representatives May 12, 2026. Attest: KEVIN F. MCCUMBER, Clerk.
Cached official text analysis. This viewer uses cached official bill text and deterministic section, phrase, fiscal, agency, deadline, and statutory-reference extraction. The analysis is navigation support, not a legal interpretation; consult the official text for authoritative wording.