TRUST Act of 2025

This bill lets federal bank regulators do routine checkups on certain small, well‑run banks less often. Banks that are healthy and have under $6 billion in total assets could be examined at least once every 18 months. Today, that slower exam schedule generally applies only to banks under $3 billion. The bill raises that size limit to $6 billion to cover more small community banks, aiming to cut red tape while keeping regular oversight in place.

Key points

• Who is affected: Well‑managed, FDIC‑insured banks with under $6 billion in assets.
• What changes: The asset cap for the 18‑month exam cycle increases from $3 billion to $6 billion; regulators may conduct exams at least once every 18 months for these banks.