HR 5270
· 119th Congress
· Finance and Financial Sector
Stress Testing Accountability and Transparency Act
Sponsor
Latest action
Placed on the Union Calendar, Calendar No. 318.
Action timeline
Every recorded action on this bill, newest first. Stage badges color-code the legislative path.
Nov 04, 2025
committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-366.
Financial Services Committee
Nov 04, 2025
other
Placed on the Union Calendar, Calendar No. 318.
Sep 16, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
Sep 16, 2025
committee
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24.
Financial Services Committee
Sep 10, 2025
introduced
Introduced in House
Sep 10, 2025
introduced
Referred to the House Committee on Financial Services.
Financial Services Committee
Text versions
Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.
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.
07
Reported to House
Nov 04, 2025
Stress Testing Accountability and Transparency Act
This bill requires the Federal Reserve Board to make public certain details concerning annual stress tests performed by the board and prohibits certain stress test practices. (Stress tests assess a financial institution’s response to a hypothetical disruptive economic event. The board sets an institution’s capital requirements or stress capital buffer based on the results.)
Specifically, the bill requires the board to issue a rule that establishes the models, assumptions, and methods used by the board to perform annual stress tests on certain nonbank financial companies and large bank holding companies. The board must also issue a rule determining the stress capital buffer requirement for certain companies that have at least two results from periodic stress tests. In addition, the board must disclose annually each scenario to be used in stress testing.
Further, the board is prohibited from materially changing stress test methodologies outside of the rulemaking process. The board must also ensure that stress capital buffer requirements and risk-based capital requirements do not contain capital requirements for the same risks. The board is also prohibited from performing climate-related stress tests.
The Government Accountability Office must report on the effectiveness of the stress tests every three years.
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.
ih / is — Introduced in House / Senate. First filed version.rfh / rfs — Referred to a committee for review.rh / rs — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs / pch — Placed on Calendar for floor consideration.eh / es — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh / rds — Received by the other chamber.eah / eas — Engrossed Amendment. The other chamber passed an amended version.ath / ats — Agreed to. Both chambers settled on the same text.enr — Enrolled. Final reconciled text, sent to the President.pl — Public Law. Signed by the President. It's now law.pp — Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih/is— Introduced in House / Senate. First filed version.rfh/rfs— Referred to a committee for review.rh/rs— Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs/pch— Placed on Calendar for floor consideration.eh/es— Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh/rds— Received by the other chamber.eah/eas— Engrossed Amendment. The other chamber passed an amended version.ath/ats— Agreed to. Both chambers settled on the same text.enr— Enrolled. Final reconciled text, sent to the President.pl— Public Law. Signed by the President. It's now law.pp— Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
Line-level diff between text versions of this bill — what actually changed at each legislative stage.
+81
−19
35 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 5270 Introduced in House (IH)]
+[H.R. 5270 Reported in House (RH)]
<DOC>
+Union Calendar No. 318
119th CONGRESS
1st Session
H. R. 5270
+
+[Report No. 119-366]
To require the Board of Governors of the Federal Reserve System to
issue rules to establish certain methodologies and scenarios used in
@@ -19,6 +22,19 @@
Mr. Huizenga (for himself and Mr. Barr) introduced the following bill;
which was referred to the Committee on Financial Services
+
+November 4, 2025
+
+Additional sponsor: Mr. Sessions
+
+November 4, 2025
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
+[Strike out all after the enacting clause and insert the part printed
+in italic]
+[For text of introduced bill, see copy of bill as introduced on
+September 10, 2025]
_______________________________________________________________________
@@ -41,31 +57,53 @@
(a) In General.--Not later than 90 days after the date of the
enactment of this section, the Board of Governors of the Federal
Reserve System (in this Act referred to as the ``Board'') shall issue a
-rule to establish any models, assumptions, formulas, or other
-decisional methodologies that are used to determine any component or
-subcomponent of the stress capital buffer requirement for a bank
-holding company.
-(b) Changes.--The Board may only make changes to the rule issued
-under subsection (a) through notice and comment rulemaking.
-(c) No Double-Count.--The Board shall ensure no double-count of
+rule--
+(1) establishing the models, assumptions, formulas, and
+other decisional methodologies that are used to conduct any
+stress test pursuant to section 165(i) of the Financial
+Stability Act of 2010 (12 U.S.C. 5365(i)), including any such
+test that is used to determine any component or subcomponent of
+the stress capital buffer requirement for a covered company;
+and
+(2) to determine, where the Board has supervisory stress
+test results from two or more periodic analyses of a covered
+company, the covered company's stress capital buffer
+requirement on the basis of supervisory stress test results
+from two or more periodic analyses of that covered company.
+(b) Changes.--The Board may only make material changes to the
+methodologies established in the rule issued under subsection (a)(1)
+through notice and comment rulemaking.
+(c) No Double-count.--The Board shall ensure no double-count of
capital requirements for the same risks in the stress capital buffer
requirement and the risk-based capital requirements.
-(d) Stress Capital Buffer Requirement Defined.--In this section,
-the term ``stress capital buffer requirement'' has the meaning given
-the term in section 225.8(d) of title 12 of the Code of Federal
+(d) Definitions.--In this section:
+(1) Covered company.--The term ``covered company'' means a
+company to which section 225.8 of title 12, Code of Federal
+Regulations, or section 238.170 of title 12, Code of Federal
+Regulations, applies.
+(2) Stress capital buffer requirement.--The term ``stress
+capital buffer requirement'' has the meaning given that term
+under--
+(A) section 225.8(d) of title 12, Code of Federal
+Regulations; and
+(B) section 238.170(d) of title 12, Code of Federal
Regulations.
+(e) Rule of Construction.--Nothing in this section may be construed
+to imply that the Board is required to establish a stress capital
+buffer requirement for any bank holding company or any other company
+regulated by the Board.
SEC. 3. RULEMAKING RELATING TO STRESS TESTING.
(a) In General.--Beginning in the first calendar year beginning
after the date of the enactment of this section, the Board shall, not
-less than 30 days before conducting a stress test pursuant to section
-165(i) of the Financial Stability Act of 2010, issue a rule to
-establish each scenario to be used in such stress test.
+less than 60 days before conducting a stress test pursuant to section
+165(i) of the Financial Stability Act of 2010, publicly disclose each
+scenario to be used in such stress test.
(b) Prohibition.--The Board may not, by rule or otherwise, subject
-any nonbank financial company to a climate-related stress test using
-the authority provided in section 165(i) of the Financial Stability Act
-of 2010.
+any nonbank financial company or bank holding company to a climate-
+related stress test using the authority provided in section 165(i) of
+the Financial Stability Act of 2010.
SEC. 4. GAO REPORT.
@@ -78,6 +116,30 @@
subsection (a) shall consider the effectiveness of the stress tests in
evaluating--
(1) the safety and soundness of the nonbank financial
-institutions subjected to stress tests;
+companies and bank holding companies subjected to stress tests;
+and
(2) the stability of the United States financial system.
-<all>
+Union Calendar No. 318
+
+119th CONGRESS
+
+1st Session
+
+H. R. 5270
+
+[Report No. 119-366]
+
+_______________________________________________________________________
+
+A BILL
+
+To require the Board of Governors of the Federal Reserve System to
+issue rules to establish certain methodologies and scenarios used in
+stress testing, and for other purposes.
+
+_______________________________________________________________________
+
+November 4, 2025
+
+Reported with an amendment, 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.
3
filings · 2026 Q3
2
filings · 2025 Q3
2
filings · 2026 Q4
1
filings · 2025 Q3
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Cosponsors (2)
Members who signed on to support this bill.