TRUST Act of 2026
The TRUST Act of 2026 modifies the Federal Deposit Insurance Act to increase the asset threshold for well-managed financial institutions subject to routine examinations. It raises the current $3 billion threshold to $6 billion for determining which institutions qualify for less frequent supervisory examinations. This change directly affects larger, well-managed banks and credit unions by potentially reducing the frequency of federal regulatory reviews they undergo. The bill focuses solely on adjusting these examination thresholds without altering other regulatory requirements.
Bill status
in committee
1 of 4 stages cleared
Introduction
Feb 2026
Committee Review
Floor Vote
President
Introduced Feb 11, 2026
Last action Feb 11, 2026
Floor votes
How they voted
No floor votes recorded yet.
Full legislative history
Actions timeline
Total actions
2
Key actions
0
Committee
1
Feb 11, 2026
Committee
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
upper
Feb 11, 2026
Introduced
Introduced in Senate
upper
1 primary · 6 co-sponsors
Sponsors
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