Specifically, the TRUST Act will raise the asset limit for community banks that qualify for a longer 18-month examination cycle from $3 billion to $6 billion.
Tim Moore supports raising the asset limit for community banks that qualify for a longer 18-month examination cycle from $3 billion to $6 billion.
Occurrences
Evidence
H.R. 4478, the Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025, was introduced on July 17, 2025, by Republican Representative Tim Moore (NC-14). H.R. 4478 raises the consolidated asset threshold from $3 billion to $6 billion for insured depository institutions to qualify for an 18-month examination cycle. The committee ordered H.R. 4478 reported favorably to the House by a recorded vote of 48 yeas and 0 nays.
Mr. MOORE of North Carolina (for himself and Mr. TORRES of New York) introduced the bill. The bill would permit Federal banking agencies to examine qualifying insured depository institutions with under $6 billion in total assets not less than once during each 18-month period. It amends the Federal Deposit Insurance Act by striking '$3,000,000,000' and inserting '$6,000,000,000'.
The Congressional Record summary for H.R. 4478 describes the bill as the 'Tailored Regulatory Updates for Supervisory Testing Act of 2025' and notes it would update the threshold covering the 18-month exam cycle from $3 billion to $6 billion.
The congressional office headline states that the U.S. House unanimously passes Congressman Tim Moore’s TRUST Act to ease regulatory burden on community banks.
Congress.gov lists H.R. 4478 as still having the status Introduced, with the latest action being its placement on the Union Calendar on 2025-09-08; the page shows no later step such as House passage or Senate action.
The House Financial Services Committee reported H.R. 4478 favorably and the report states that the bill would raise the examination-cycle threshold from $3 billion to $6 billion for qualifying institutions.
Assessments
Tim Moore sponsored H.R. 4478, and the bill text and committee report match the exact policy goal of raising the 18-month exam-cycle asset threshold from $3 billion to $6 billion. That is strong direct credit for advancing the proposal. But the official Congress.gov status still shows the bill as introduced with no final enactment, so the outcome was not fully delivered.
Moore introduced H.R. 4478 to raise the 18-month exam-cycle asset threshold from $3 billion to $6 billion, and the bill advanced through committee. That is strong direct support for the promised policy change, but the official bill status still shows it as introduced with no confirmed final enactment, so the outcome was materially advanced but not fully delivered.
The claim is about support for a specific policy: raising the asset threshold for community banks eligible for an 18-month examination cycle from $3 billion to $6 billion. The evidence strongly shows Tim Moore did support and materially advance this exact policy. He introduced H.R. 4478, the TRUST Act of 2025, whose text explicitly replaces '$3,000,000,000' with '$6,000,000,000' for the 18-month exam cycle, and the bill was reported favorably from committee. Additional evidence indicates the House later passed the bill. However, the record provided does not show final enactment into law or completion of the policy outcome. Because Moore clearly acted on the promise and advanced it substantially in the same term, but the policy change itself is not shown as fully delivered, the best judgment is partial rather than delivered.