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HR 4478 - 119

Introduced 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 identified that the bill's core provisions are consistent with its stated purpose of adjusting regulatory examination thresholds for financial institutions. No unrelated riders were detected; the sections identified as having high signal scores are technical amendments directly implementing the policy described in the bill summary.

Rider risk
Low
Highest severity 10%
Scope alignment
Strong
91% aligned with stated purpose
Coverage
1 / 4
Expanded review coverage
Signal density
Light
7 signals across 4 sections
Procedural or technical

Sec. 10

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

Confidence 95% Severity 10%

This section contains the technical amendments to the Federal Deposit Insurance Act required to raise the asset threshold from $3 billion to $6 billion, as described in the bill summary. While it contains multiple dollar-amount signals, these are the primary mechanism of the legislation.

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

Directly implements the policy change described in the bill summary regarding asset-level thresholds for examination frequency.

Score inputs
  • statutory reference signal
  • spending signals: 4
  • candidate language uses terms outside the primary bill topic
AI evidence
  • The text explicitly amends the Federal Deposit Insurance Act to match the $6 billion threshold mentioned in the bill summary.
  • The statutory reference (12 U.S.C. 1820) is the standard location for FDIC examination authority.
Counter-evidence
  • The high signal score is a result of the technical nature of the amendment (striking and inserting dollar amounts) rather than the inclusion of unrelated spending or policy riders.
SpendingStatutory Reference
4
Sections
6
Dollar amounts
0
Deadlines and effective dates
Jul 17, 2025
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 Introduced in House (IH)] 119th CONGRESS 1st Session H. R. 4478 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 _______________________________________________________________________ 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''.
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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