H.R. 4478

119th CONGRESS 1st Session

To amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6 billion in total assets not less than once during each 18-month period, and for other purposes.

IN THE HOUSE OF REPRESENTATIVES · July 17, 2025 · Sponsor: Mr. Moore of North Carolina · Committee: Committee on Financial Services

Table of contents

• H.R. 4478
  • SEC. 1. Short title
  • SEC. 2. Modification of examination cycle thresholds for well-managed institutions

SEC. 1. Short title

• This Act may be cited as the or the .

SEC. 2. Modification of examination cycle thresholds for well-managed institutions

• Section 10(d) of the Federal Deposit Insurance Act () is amended— 12 U.S.C. 1820(d)
  • in paragraph (4)(A), by striking $3,000,000,000and inserting $6,000,000,000; and
  • in paragraph (10), by striking $3,000,000,000and inserting $6,000,000,000.