LawLinter
Back to bill
HR 4478 - 119

Reported 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
Moderate
8 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. The spending signals identified are technical adjustments to statutory thresholds rather than appropriations.

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 implements the primary purpose described in the bill summary.

Score inputs
  • statutory reference signal
  • spending signals: 5
  • topic overlap: banking, permit, insured, depository, institution
Matched topic terms
bankingpermitinsureddepositoryinstitutionqualifyassetbillion
AI evidence
  • The section directly modifies the statutory threshold mentioned in the bill summary.
  • The dollar amounts represent regulatory asset caps, not federal spending.
Counter-evidence
  • The bill summary explicitly states the intent to raise the asset level from $3 billion to $6 billion, which this section performs.
SpendingStatutory Reference
4
Sections
7
Dollar amounts
0
Deadlines and effective dates
Sep 8, 2025
Text version date

Largest fiscal amounts

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

Top statutory references

12 U.S.C. 1820 1

Official source

Official PDF

Preview the source PDF from the official text formats without leaving this page, or open the original file in a new tab.

Open official PDF

Structured text

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4478 Reported in House (RH)] Union Calendar No. 209 119th CONGRESS 1st Session H. R. 4478 [Report No. 119-252] 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. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES July 17, 2025 Mr. Moore of North Carolina (for himself and Mr. Torres of New York) introduced the following bill; which was referred to the Committee on Financial Services September 8, 2025 Committed to the Committee of the Whole House on the State of the Union and ordered to be printed _______________________________________________________________________ A BILL 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''. Union Calendar No. 209 119th CONGRESS 1st Session H. R. 4478 [Report No. 119-252] _______________________________________________________________________ A BILL 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. _______________________________________________________________________ September 8, 2025 Committed to the Committee of the Whole House on the State of the Union and ordered to be printed
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.
DisclaimerReport issue