The "Tailored Regulatory Updates for Supervisory Testing Act of 2025" (TRUST Act of 2025) modifies examination cycle thresholds for well-managed institutions, amending the Federal Deposit Insurance Act to increase the threshold from $3,000,000,000 to $6,000,000,000. This change will impact supervision and regulation of financial institutions, potentially affecting their examination frequency and regulatory requirements.
Tailored Regulatory Updates for Supervisory Testing Act of 2025 or the TRUST Act of 2025
This bill permits additional small insured depository institutions that are considered well-capitalized and well-managed (per their most recent examination) to qualify for less frequent examinations conducted by federal financial regulators. Specifically, the bill raises the maximum asset level that qualifies an institution for less frequent examinations from less than $3 billion to less than $6 billion.