The TRUST Act of 2026 increases the asset threshold for reduced regulatory examination cycles at smaller banks. Specifically, it allows federal banking agencies to examine well-managed banks with total assets under $6 billion (instead of the current $3 billion limit) once every 18 months rather than annually. This change applies to "qualifying insured depository institutions"—essentially smaller, well-run banks that meet safety standards. The bill aims to reduce regulatory burden on community and regional banks while maintaining federal oversight through less frequent but still regular examinations. The legislation does not include new federal funding provisions, as it primarily modifies existing examination requirements under the Federal Deposit Insurance Act.
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