Congress·In Committee·S. 3830

Banking: Longer Gaps Between Small Bank Inspections

TRUST Act of 2026

Legislative Progress

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Congress is considering a bill that would change how often federal regulators inspect certain banks. Currently, banks with more than $3 billion in assets usually get a full check-up every year. This bill would raise that limit to $6 billion.
If passed, well-managed banks with less than $6 billion in total assets could go up to 18 months between major government inspections. This gives these smaller and mid-sized banks more time to focus on their customers instead of preparing for government audits.
The goal is to reduce the paperwork and costs for local community banks that have a good track record. By doubling the limit, more banks would qualify for this relaxed schedule, which could help them save money on administrative tasks.
This change only applies to banks that are considered well-managed and in good financial shape. Government regulators would still have the power to inspect any bank more often if they see signs of trouble or risk.

2 milestones2 actions

Feb 11, 2026Senate

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Feb 11, 2026

Introduced in Senate

Document Type

Congressional Bill

Official Title

TRUST Act of 2026

Bill NumberS 3830

Congress119th Congress

ChamberSenate

Latest ActionRead twice and referred to the Committee on Banking, Housing, and Urban Affairs.

(3)

D: 2R: 1

Congress.gov

Official legislative information

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