Small Bank Regulatory Examination Reform

September 8, 2025 – February 11, 2026

Congress is moving to reduce the frequency of federal inspections and consolidate examination requirements for well-rated banks and credit unions with under $6 billion in assets.

Policies

Banking: Longer Gaps Between Small Bank Inspections

S. 3830

Congress targets fewer, combined exams for well-rated banks and credit unions under $6B in assets

H.R. 4437

Banking: Reducing Inspection Frequency for Small Banks

H.R. 4478

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