Modifies the Federal Deposit Insurance Act to allow federal banking agencies to examine well-managed institutions with under $6 billion in assets.
The TRUST Act of 2026 amends the Federal Deposit Insurance Act to change the examination cycle for insured depository institutions with under $6 billion in assets. Previously, these institutions were required to be examined at least once every 18 months, but the bill modifies this to allow federal banking agencies to conduct these examinations less frequently, provided the institutions are well-managed. This change aims to reduce regulatory burdens on smaller institutions while maintaining oversight.
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