The TRUST Act of 2025 modifies the Federal Deposit Insurance Act to allow federal banking agencies to examine qualifying insured depository.
The TRUST Act of 2025 amends the Federal Deposit Insurance Act to change the examination cycle for qualifying insured depository institutions. It raises the threshold for examination frequency from $3 billion to $6 billion in total assets. Institutions with under $6 billion in assets will now be examined not less than once every 18 months by federal banking agencies. This change aims to tailor regulatory updates for supervisory testing, potentially reducing the burden on smaller institutions while maintaining oversight.
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