Congress·Reported·H.R. 3379

HUMPS Act of 2025

Banking: Standardizing Bank Health Ratings

Jun 25, 2025·View on Congress.gov·Read full text

Next up: The HouseNo action in 12 months

The HUMPS Act of 2025 has been reported by the House Committee on Financial Services and is now waiting for a vote by the full House. Nothing has happened with this bill since June 2025, so it has been stalled for about 12 months. Because floor time is limited, it is unclear when or if the House leadership will schedule a vote.

Legislative Progress

House

Senate

President

Law

Could go either way

The bill has cleared a major House committee hurdle but still needs to pass the full House and find support in the Senate where banking regulations face more debate.

Key Points

This bill changes how the government grades the health of banks. Currently, regulators use a system called CAMELS to measure things like cash on hand and management quality. The bill aims to make these grades more objective and less dependent on an individual examiner's personal opinion.
The Management part of the grade would be either removed or strictly limited to measurable facts. This prevents regulators from punishing banks based on subjective views of how a bank is run, focusing instead on whether the bank is actually safe and has enough money to stay in business.
Banks would see more transparency in how their final scores are calculated. These scores are important because they determine how much a bank pays for federal deposit insurance and whether they are allowed to merge with other banks or expand their business operations.
The new rules would also ensure that bank ratings specifically include how well a bank is following laws meant to stop money laundering and terrorist financing. This keeps a focus on legal compliance alongside financial stability.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

3 milestones6 actions

Jun 25, 2025House

Placed on the Union Calendar, Calendar No. 136.

The bill is now on the schedule for the full chamber to consider. It's in line for debate and a vote.

Jun 25, 2025House

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-170.

May 21, 2025House

Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 23.

The committee approved this bill and is sending it to the full chamber for a vote. This is a significant step — most bills never get this far.

May 21, 2025House

Committee Consideration and Mark-up Session Held

May 14, 2025House

Referred to the House Committee on Financial Services.

No votes or news coverage recorded for this bill yet.

Source Information

Document Type

Congressional Bill

Official Title

HUMPS Act of 2025

Bill NumberHR 3379

Congress119th Congress

ChamberHouse of Representatives

Latest ActionPlaced on the Union Calendar, Calendar No. 136.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Analysis generated by AI. Always verify with official sources.