Banks and trust companies; Banks and Trust Companies Reform Act of 2025; effective date.

HB 2324, titled the "Banks and Trust Companies Reform Act of 2025," is a procedural bill that establishes the act's name and sets its effective date (November 1, 2025). It does not change existing banking laws or create new requirements for banks, trust companies, or their customers. The bill merely provides a title for future legislative references and specifies an implementation date, with no substantive policy changes. This is a standard naming and procedural measure, not a policy reform.