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HR 4478 · 119th Congress · Finance and Financial Sector

TRUST Act of 2025

Introduced July 17, 2025 Latest action September 08, 2025 1 cosponsor

Sponsor

Latest action

Placed on the Union Calendar, Calendar No. 209.

Action timeline

Every recorded action on this bill, newest first. Stage badges color-code the legislative path.

Sep 08, 2025
committee Reported by the Committee on Financial Services. H. Rept. 119-252.
Financial Services Committee
Sep 08, 2025
other Placed on the Union Calendar, Calendar No. 209.
Jul 23, 2025
committee Committee Consideration and Mark-up Session Held
Financial Services Committee
Jul 23, 2025
committee Ordered to be Reported by the Yeas and Nays: 48 - 0.
Financial Services Committee
Jul 22, 2025
committee Committee Consideration and Mark-up Session Held
Financial Services Committee

CRS summaries

Plain-English summaries written by the Congressional Research Service — neutral, nonpartisan staff who summarize bills as they advance through stages. The authoritative description of what each version of the bill does.

via Congressional Research Service · published through congress.gov

Changelog

How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.

  1. ih / isIntroduced in House / Senate. First filed version.
  2. rfh / rfsReferred to a committee for review.
  3. rh / rsReported back by the committee to the floor (often with amendments — this is where most language changes happen).
  4. pcs / pchPlaced on Calendar for floor consideration.
  5. eh / esEngrossed. Passed by the originating chamber. Text is now what was actually voted on.
  6. rdh / rdsReceived by the other chamber.
  7. eah / easEngrossed Amendment. The other chamber passed an amended version.
  8. ath / atsAgreed to. Both chambers settled on the same text.
  9. enrEnrolled. Final reconciled text, sent to the President.
  10. plPublic Law. Signed by the President. It's now law.
  11. ppPublic Print. Official printing post-enactment.

Most bills die before eh/es. Going from pcsenr is the full path through both chambers.

Line-level diff between text versions of this bill — what actually changed at each legislative stage.

+34 −2 19 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 4478 Introduced in House (IH)]
+[H.R. 4478 Reported in House (RH)]
<DOC>
+Union Calendar No. 209
119th CONGRESS
1st Session
H. R. 4478
+
+[Report No. 119-252]
To amend the Federal Deposit Insurance Act to permit Federal banking
agencies to examine qualifying insured depository institutions with
@@ -21,6 +24,11 @@
Mr. Moore of North Carolina (for himself and Mr. Torres of New York)
introduced the following bill; which was referred to the Committee on
Financial Services
+
+September 8, 2025
+
+Committed to the Committee of the Whole House on the State of the Union
+and ordered to be printed
_______________________________________________________________________
@@ -48,4 +56,28 @@
inserting ``$6,000,000,000''; and
(2) in paragraph (10), by striking ``$3,000,000,000'' and
inserting ``$6,000,000,000''.
-<all>
+Union Calendar No. 209
+
+119th CONGRESS
+
+1st Session
+
+H. R. 4478
+
+[Report No. 119-252]
+
+_______________________________________________________________________
+
+A BILL
+
+To amend the Federal Deposit Insurance Act to permit Federal banking
+agencies to examine qualifying insured depository institutions with
+under $6 billion in total assets not less than once during each 18-
+month period, and for other purposes.
+
+_______________________________________________________________________
+
+September 8, 2025
+
+Committed to the Committee of the Whole House on the State of the Union
+and ordered to be printed

Lobbying activity

Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.

4
filings · 2026 Q3
4
filings · 2026 Q3
3
filings · 2026 Q3
3
filings · 2026 Q3
2
filings · 2026 Q4
1
filings · 2025 Q3

via Senate LDA · self-reported quarterly. Filing count = filings mentioning this bill (no position required), not money spent on it. Click a client to see all bills they've filed on.

Cosponsors (1)

Members who signed on to support this bill.