TRUST Act of 2026

The proposed legislation aims to modify the examination cycle thresholds for certain insured depository institutions by amending the Federal Deposit Insurance Act. It specifically adjusts the asset size criteria that determine how frequently federal banking agencies must conduct examinations. This bill increases the total asset threshold from $3,000,000,000 to $6,000,000,000 for institutions eligible for an extended examination period. Consequently, qualifying institutions with assets under $6 billion can now be examined not less than once every 18 months, rather than the previous $3 billion limit. This change is intended to provide tailored regulatory oversight for a larger number of well-managed financial institutions.