The TRUST Act of 2025 allows more small, well-managed banks to undergo examinations by federal regulators less frequently. Specifically, it raises the asset limit for these banks from under $3 billion to under $6 billion, making it easier for them to qualify for this reduced oversight.
H.R. 4478 was introduced in the 119th Congress by Tim Moore (Republican) and is currently listed as “Passed House”. It is classified under the Finance and Financial Sector policy area, one of 159 bills in that area we track this Congress.
Tim Moore is the sponsor of 7 bills in our database this Congress, so H.R. 4478 is part of a broader legislative agenda rather than a one-off proposal.
Senate lobbying disclosures list 15 organizations lobbying on this bill’s issue area.
Our conflict-of-interest analysis rates H.R. 4478 2/10 (low risk), higher than 76% of analyzed bills; the average in Finance and Financial Sector is 2.3/10.
Supporters of the TRUST Act of 2025 argue that it will reduce regulatory burdens on small banks, allowing them to focus more on serving their communities and promoting economic growth. They believe that well-capitalized institutions can operate safely with less frequent oversight, which could lead to enhanced financial stability in the sector.
Critics of the TRUST Act of 2025 warn that reducing the frequency of examinations could lead to increased risks in the banking system, particularly if smaller institutions face financial difficulties. They express concerns that less oversight might enable poorly managed banks to operate without adequate scrutiny, potentially jeopardizing depositors' funds and overall financial stability.
The bill H.R. 4478: TRUST Act of 2025, sponsored by Tim Moore, does not show any direct industry overlaps between the bill's subject matter and the sponsor's top donor industries. The top donor industries for Tim Moore are Health Professionals and Retired individuals, contributing $480,000,000 and $150,000,000 respectively. There is no evidence of any financial contributions from these industries that could potentially influence the bill. Lobbying activity in the bill's policy area is present but the amounts disclosed are relatively low, with the highest being $21,000 from General Electric Company. The undisclosed amounts could potentially pose a conflict, but without specific figures, it's impossible to accurately assess the risk.
Organizations that lobbied on issues related to this bill's policy area.
| Client | Lobbying Firm | Amount |
|---|---|---|
| RICHARD BLAND COLLEGE OF WILLIAM & MARY | CONGRESSIONAL PARTNERS | $30,000 |
| RICHARD BLAND COLLEGE OF WILLIAM & MARY | CONGRESSIONAL PARTNERS | $30,000 |
| VIRGINIA PENINSULA COMMUNITY COLLEGE | CONGRESSIONAL PARTNERS | $30,000 |
| GENERAL ELECTRIC COMPANY | HITHER CREEK STRATEGIES, LLC | $21,000 |
| AMERICAN RHEINMETALL VEHICLES, LLC | HITHER CREEK STRATEGIES, LLC | $20,000 |
| LEONARDO DRS, INC | HITHER CREEK STRATEGIES, LLC | $15,000 |
| HOPFLYT INC | HITHER CREEK STRATEGIES, LLC | $10,000 |
| SL STRATEGIES OBO AANA | HITHER CREEK STRATEGIES, LLC | $10,000 |
| EPIRUS INC | HITHER CREEK STRATEGIES, LLC | $10,000 |
| ROBERT TRENT JONES II LLC | PLATINUM ADVISORS DC, LLC | undisclosed |
| AMERICAN SOCIETY OF GOLF COURSE ARCHITECTS | PLATINUM ADVISORS DC, LLC | undisclosed |
| SAVE GREATER DOWSES BEACH | HITHER CREEK STRATEGIES, LLC | undisclosed |
| GDX CORPORATION | HITHER CREEK STRATEGIES, LLC | undisclosed |
| TOWN OF NANTUCKET, MA | HITHER CREEK STRATEGIES, LLC | undisclosed |
| MICROAUTOMATION INC. | DLG PARTNERS (FKA DRAGON LIST GLOBAL) | undisclosed |
Source: Senate Lobbying Disclosure Act (LDA) filings, 2026
Top industries funding Tim Moore, ranked by total contributions.
Source: OpenSecrets.org (Center for Responsive Politics)
What does H.R. 4478 do?
The TRUST Act of 2025 allows more small, well-managed banks to undergo examinations by federal regulators less frequently. Specifically, it raises the asset limit for these banks from under $3 billion to under $6 billion, making it easier for them to qualify for this reduced oversight.
Has H.R. 4478 received a floor vote?
No roll-call vote on H.R. 4478 is recorded in our database yet. Its current status is “Passed House”.
Does H.R. 4478 have a conflict of interest?
Our conflict-of-interest analysis rates H.R. 4478 2/10 (low risk), higher than 76% of analyzed bills; the average in Finance and Financial Sector is 2.3/10. This score reflects overlap between the sponsor’s campaign funding, lobbying activity, and the industries the bill affects. It is a transparency indicator, not an accusation.
What is the status of H.R. 4478?
H.R. 4478 is currently “Passed House” as of our last update on May 13, 2026.
Who sponsored H.R. 4478?
H.R. 4478 was sponsored by Tim Moore (Republican).
