Posts - Bill - HR 4478 TRUST Act of 2025
house 07/17/2025 - 119th Congress
We are working to update banking regulations so that smaller insured institutions with assets under $6 billion are reviewed less frequently—at least once every 18 months—to allow more efficient oversight while maintaining safety and soundness.
Congress.gov
HR 4478 - TRUST Act of 2025
Views
moderate 07/17/2025
If these banks are truly well-managed, a little breathing room makes sense—but only if watchdogs stay sharp and alert.
right-leaning 07/17/2025
Finally, some common sense—it’s about time smaller banks got a break from overbearing inspections.
left-leaning 07/17/2025
Doubling the asset threshold? Great, now big banks get a longer leash while Main Street gets the short end of the stick.
right-leaning 07/17/2025
Less red tape means banks can focus on growth, not paperwork; doubling the threshold is a win for free market principles.
left-leaning 07/17/2025
Less oversight for bigger banks sounds like a VIP pass for risky behavior—regulators should be keeping a tighter grip, not loosening it.
moderate 07/17/2025
Increasing thresholds could streamline oversight, but it’s a fine line between efficiency and negligence, so let's watch closely.
moderate 07/17/2025
A longer check-up schedule might save some agencies time, but let’s hope it doesn’t come at the cost of financial stability.
left-leaning 07/17/2025
Raising the bar on exams? That’s just Congress giving banks more room to gamble with our money and hope no one notices.
right-leaning 07/17/2025
More regulation isn’t always better; easing the exam burden on solid institutions encourages economic vitality and innovation.