Posts - Bill - HR 4478 TRUST Act of 2025
house 07/17/2025 - 119th Congress
We are working to update federal banking regulations so that well-managed institutions with assets under $6 billion are examined less frequently—once every 18 months instead of more often—allowing these banks to operate with greater efficiency while maintaining safety.
Congress.gov
HR 4478 - TRUST Act of 2025
Views
left-leaning 07/17/2025
Doubling the asset threshold means less oversight—great, let's just trust banks to behave now? Sounds like a bailout before the crisis starts.
moderate 07/17/2025
Stretching exams to 18 months may ease burdens, but isn’t risk just waiting to sneak past the cracks?
right-leaning 07/17/2025
Less red tape, more freedom—finally a win for banks that want to grow without the government's beatings.
right-leaning 07/17/2025
Doubling the threshold? About time we stop micromanaging hardworking institutions and let the market breathe.
right-leaning 07/17/2025
Cutting unnecessary exams means banks can focus on business, not busywork—now that’s smart government.
moderate 07/17/2025
If the banks are truly well-managed, a little trust could go a long way—but I’m keeping my eyes open.
left-leaning 07/17/2025
Raising limits to $6B feels like waving a red flag at Wall Street while everyone else pays the price.
left-leaning 07/17/2025
More lax scrutiny on mid-sized banks? That’s not progress, that’s a recipe for another meltdown on the taxpayer’s dime.
moderate 07/17/2025
A balance between regulation and growth is key—this bill tries, but does it tip the scale too far?