The TRUST Act of 2025: Changing Bank Examination Schedules
May 12, 2026
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Finance Connection
| Candidate | Donor | Amount | Industry | Date |
|---|---|---|---|---|
| Natalie Moore | NATALIE MOORE | $50,000 | JUDGE | Jun 2025 |
| Natalie Moore | NATALIE MOORE | $50,000 | JUDGE | Sep 2025 |
| Natalie Moore | NATALIE MOORE | $25,000 | LOAN FROM<br>CANDIDATE | Mar 2026 |
| Natalie Moore | NATALIE MOORE | $25,000 | LOAN FROM<br>CANDIDATE | Mar 2026 |
| Lisa Gonzalez Moore | Lisa Gonzalez Moore | $5,000 | Attorney/City<br>Councilmember | Mar 2026 |
| Lisa Gonzalez Moore | Lisa Gonzalez Moore | $5,000 | Attorney/City Councilmember | Mar 2026 |
| Re-Elect Tamisha Torres-Walker for Antioch City Council District 1 2022 | PowerPAC Voter Fund | $4,900 | - | Dec 2022 |
| Re-Elect Tamisha Torres-Walker for Antioch City Council District 1 2022 | Lift Up Contra Costa PAC | $4,900 | - | Sep 2022 |
| Re-Elect Tamisha Torres-Walker for Antioch City Council District 1 2022 | Lift Up Contra Costa PAC | $4,900 | - | Sep 2022 |
| Re-Elect Tamisha Torres-Walker for Antioch City Council District 1 2022 | Contra Costa United Working Families (CCUWF) | $4,900 | - | Oct 2022 |
| Re-Elect Tamisha Torres-Walker for Antioch City Council District 1 2022 | Lift Up Contra Costa PAC | $4,900 | - | Sep 2022 |
| David Torres for City Council 2024 | California SMART TD PAC (FED PAC ID# C00001636 | $4,900 | - | Sep 2024 |
| Committee to Elect Jorge Torres for Assessor, 2022 | Jorge Torres | $2,500 | Appraiser | Apr 2022 |
| Moore for Wildomar City Council | California Real Estate Political Action Committee (CREPAC) | $2,500 | - | Oct 2024 |
| Re-Elect Tamisha Torres-Walker for Antioch City Council District 1 2022 | INLAND EMPIRE UNITED ACTION FUND | $2,500 | - | Dec 2022 |
| Malik Juwan Moore | FOR THE PEOPLE | $2,500 | PAC | Nov 2025 |
| Re-Elect Tamisha Torres-Walker for Antioch City Council District 1 2022 | Alliance of California Community Empowerment (ACCE PAC) | $2,500 | - | Dec 2022 |
| Tiffany Moore Russell | Monisha Perkins | $2,500 | media<br>consultant | Dec 2025 |
| Committee to Elect Jorge Torres for Assessor, 2022 | Jorge Torres | $2,200 | Appraiser | Apr 2022 |
| David Torres for City Council 2024 | Montebello Fire Fighters Association PAC | $2,000 | - | Oct 2024 |
Reported financial relationships and timing signals. This does not prove motive or influence. Readers draw their own conclusions.
The Frame
This bill changes the frequency of federal oversight for community banks with assets between $3 billion and $6 billion, potentially reducing administrative compliance costs for these institutions.
Potentially affected actors named in the source documents. Mention is not a position.
Community banks
Banks with assets between $3 billion and $6 billion may qualify for less frequent federal examinations.
Federal banking regulators
Regulators must adjust their examination schedules for institutions meeting the new $6 billion asset threshold.
Last recorded activity May 12, 2026.
Next step not available in the current record.
Summary
Key Facts
- The bill increases the asset threshold for an 18-month federal examination cycle from $3 billion to $6 billion.
- Eligibility for the extended 18-month cycle is restricted to banks that are classified as 'well-capitalized' and 'well-managed' by federal regulators.
- The current $3 billion threshold was established in 2018.
- The bill amends Section 10(d) of the Federal Deposit Insurance Act (12 U.S.C. 1820(d)).
- Federal regulators retain full authority to examine institutions regardless of the extended cycle to ensure safety and soundness.
- The bill is intended to account for inflation and economic growth that has occurred since the 2018 threshold was set.
Frequently Asked Questions
Will this bill reduce the quality of bank oversight?
Which banks qualify for the 18-month exam cycle?
Why It Matters
This bill changes the frequency of federal oversight for community banks with assets between $3 billion and $6 billion, potentially reducing administrative compliance costs for these institutions.
News Coverage
Lobbying Activity
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2026
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. Issues related to earned wage access. H.R.940, FAIR Exams Act, all provisions. H.R. 4437, Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025), all provisions. H.R. 4478, Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025), all provisions.”
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2026
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. Issues related to earned wage access. H.R.940, FAIR Exams Act, all provisions. H.R. 4437, Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025), all provisions. H.R. 4478, Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025), all provisions.”
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2025
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. Issues related to earned wage access. H.R.940, FAIR Exams Act, all provisions. H.R. 4437, Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025), all provisions. H.R. 4478, Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025), all provisions.”
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2025
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. H.R.940, FAIR Exams Act, all provisions. H.R. 4437, Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025), all provisions. H.R. 4478, Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025), all provisions.”
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Inflation-Adjusted Regulation
The bill explicitly frames the increase in asset thresholds as a necessary adjustment for inflation and economic growth since 2018.
Connected Entities
Sources
www.govinfo.gov
Analysis Score
0–100- Significance60How much this matters to a regular citizen
- Controversy20Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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