S. 3830Senate119th Congress (2025-2027)In Committee

TRUST Act of 2026

A bill to amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6,000,000,000 in total assets not less than once during each 18-month period, and for other purposes.

Also known as Tailored Regulatory Updates for Supervisory Testing Act of 2026

AI-Generated Summary

Updated February 26, 2026 at 5:24 AM UTC

The TRUST Act of 2026 updates the Federal Deposit Insurance Act to raise the size limit for banks that must receive regular supervisory exams. By increasing the threshold from $3 billion to $6 billion in assets, the bill ensures that smaller banks are examined at least once every 18 months, affecting insured depository institutions below that size.

Key Provisions

Changes the asset threshold in the Federal Deposit Insurance Act from $3 billion to $6 billion, so banks with total assets under $6 billion are considered “well‑managed” for exam purposes.
Requires federal banking regulators to examine each qualifying insured depository institution with assets under $6 billion at least once every 18 months.

Legislative Activity

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1 earlier action

SenateIntro Referral Latest Action

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Banking, Housing, and Urban Affairs Committee

February 11, 2026

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SenateIntro Referral

Introduced in Senate

February 11, 2026

SenateIntro Referral

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Banking, Housing, and Urban Affairs Committee

February 11, 2026

Bill Text

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Introduced in SenateIssued February 11, 2026

119th CONGRESS

2d Session

S. 3830

IN THE SENATE OF THE UNITED STATES

February 11, 2026

Mr. Budd (for himself, Mr. Kim, Mr. Kennedy, and Ms. Alsobrooks) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

A BILL

To amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6,000,000,000 in total assets not less than once during each 18-month period, and for other purposes.

Short title

This Act may be cited as the Tailored Regulatory Updates for Supervisory Testing Act of 2026 or the TRUST Act of 2026.

Modification of examination cycle thresholds for well-managed institutions

Section 10(d) of the Federal Deposit Insurance Act (12 U.S.C. 1820(d)) is amended—

(1)

in paragraph (4)(A), by striking $3,000,000,000 and inserting $6,000,000,000; and

(2)

in paragraph (10), by striking $3,000,000,000 and inserting $6,000,000,000.