TRUST Act of 2025

# TRUST Act of 2025 Summary **What the Bill Would Do** The TRUST Act of 2025 would modify regulations governing bank accounts, deposits, and how the Federal Deposit Insurance Corporation (FDIC) oversees financial institutions. While the bill's specific provisions aren't detailed in this summary information, it addresses how banks manage capital and deposits, and how federal regulators measure bank performance. The bill appears focused on adjusting the rules that banks must follow regarding deposits and financial management. **Who It Affects** This legislation would primarily impact banks and financial institutions, as well as their customers. The FDIC—the federal agency that insures deposits—would need to implement any new regulatory requirements.

Individual account holders could potentially be affected depending on how the bill changes deposit insurance or bank operations. **Current Status** The TRUST Act is currently in committee (HR 4478, introduced in the 119th Congress by Rep. Tim Moore, R-NC), meaning it has not yet been debated or voted on by the full House of Representatives. The bill would need to pass committee, be approved by the House, then the Senate, before becoming law. *Note: Specific legislative details beyond the bill's general subject areas are not provided in the information available.*.