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HR 4478 - 119

Engrossed in House

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 of H.R. 4478 indicates that all sections are directly related to the bill's primary objective of adjusting asset thresholds for the examination of insured depository institutions. No unrelated riders or extraneous provisions were identified.

Rider risk
Low
Highest severity 15%
Scope alignment
Strong
95% aligned with stated purpose
Coverage
1 / 4
Expanded review coverage
Signal density
Light
7 signals across 4 sections
Related

Sec. 10

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

Confidence 100% Severity 15%

This section contains the core operative language of the bill, amending the Federal Deposit Insurance Act to increase the asset threshold for examination frequency from $3 billion to $6 billion. While it contains multiple dollar amount signals, these are technical adjustments directly implementing the bill's stated purpose.

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 19.9 Topic overlap 67%
Summary relation

Directly aligns with the bill summary's stated goal of raising the maximum asset level for less frequent examinations from $3 billion to $6 billion.

Score inputs
  • statutory reference signal
  • spending signals: 5
  • topic overlap: banking, permit, insured, depository, institution
Matched topic terms
bankingpermitinsureddepositoryinstitutionqualifyassetbillion
AI evidence
  • The text explicitly references the Federal Deposit Insurance Act (12 U.S.C. 1820(d)).
  • The dollar amount changes ($3B to $6B) match the primary policy change described in the bill summary.
Counter-evidence
  • The high number of spending signals is purely a result of the statutory amendment process and does not represent new federal spending or appropriations.
SpendingStatutory Reference
4
Sections
6
Dollar amounts
0
Deadlines and effective dates
May 12, 2026
Text version date

Largest fiscal amounts

$6,000,000,000 2
$6,000,000,000 2
$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 Engrossed in House (EH)] 119th CONGRESS 2d Session H. R. 4478 _______________________________________________________________________ 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: Clerk. 119th CONGRESS 2d Session H. R. 4478 _______________________________________________________________________ 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.
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.
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