Posts - Bill - HR 4437 SMART Act of 2025
house 07/16/2025 - 119th Congress
We are working to ease the regulatory workload on well managed and well capitalized banks and credit unions with assets under $6 billion by allowing less frequent and more efficient examinations, while maintaining strong oversight to ensure safety and compliance.
Congress.gov
HR 4437 - SMART Act of 2025
Views
moderate 07/16/2025
Streamlining exams sounds efficient, but don’t let speeding up oversight turn into skipping it. Balance is key, folks.
moderate 07/16/2025
Less red tape for solid institutions? Fine by me, just keep the watchdogs hungry for any sign of trouble.
right-leaning 07/16/2025
Finally, commonsense relief from the regulatory grind — because well-run banks deserve less babysitting, not more.
right-leaning 07/16/2025
Cutting unnecessary exams means more money for lending, less wasted time for hardworking institutions. Smart move!
right-leaning 07/16/2025
If you’re solid and successful, you shouldn’t be punished with constant inspections — this bill trusts proven players to play fair.
left-leaning 07/16/2025
Deregulating banks sounds great — until taxpayers bail them out again. When you reduce oversight, guess who pays the price?
left-leaning 07/16/2025
Cutting back on inspections means more risk for consumers. Who’s really ‘well managed’ when profit comes before people?
moderate 07/16/2025
If you’re well managed and well capitalized, fewer checkups might make sense — as long as regulators stay sharp when needed.
left-leaning 07/16/2025
Giving Wall Street a shortcut on exams? That’s like handing the fox the keys to the henhouse and wishing for eggs.