Lets more smaller banks be examined less often by federal regulators.
This bill would allow federal banking agencies to examine certain well-managed banks with assets up to $6 billion less often, specifically once every 18 months. Currently, this less frequent examination schedule only applies to banks with assets under $3 billion. The change aims to reduce the regulatory burden on these mid-sized banks.
Today, federal banking agencies can examine well-managed banks with less than $3 billion in assets once every 18 months. Banks with assets between $3 billion and $6 billion are typically examined more often, usually every 12 months. If passed, well-managed banks with up to $6 billion in assets would qualify for exams every 18 months. This would reduce how often a larger group of institutions faces regulatory checks.
HR 4478 · 119th Congress · AI Summary by gemini-2.5-flash · 10/10
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10 filings mentioned this bill
Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.