The National Infrastructure Bank Act of 2025 would create a federally chartered infrastructure bank to finance major infrastructure projects across the United States, addressing what the bill identifies as a $3.7 trillion infrastructure funding gap over the next decade. The bank would be capitalized with up to $500 billion in initial funding through Treasury securities and public-private investments, with the capacity to provide up to $5 trillion in loans for projects in transportation, energy, broadband, water systems, and community development. A 25-member board of directors appointed by the President would oversee the bank's operations, supported by governance committees focused on risk management and audit compliance, with a Special Inspector General providing independent oversight. The bank would be subject to federal labor standards, Davis-Bacon prevailing wage requirements, Buy America provisions, and civil rights protections, with at least 10% of funding directed to minority and disadvantaged-owned businesses. Capital would accumulate over five years with Federal Reserve assessments to evaluate the bank's performance.