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119th Congress · H.R. 4437 · Passed Origin

Supervisory Modifications for Appropriate Risk-based Testing Act of 2025

Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 or the SMART Act of 2025 This bill limits the scope of certain examinations and combines oversight procedures for certain small depository institutions and credit unions. Specifically, depository institutions and credit unions that are considered well-capitalized and well-managed (per their most recent examination) with assets of $6 billion or less must receive a limited-scope examination, as determined by the appropriate federal regulator, in the year following a full-scope examination. In addition, upon request by the depository institution or credit union, the regulator must combine separate compliance examinations (e.g., safety and soundness examinations and information technology examinations) and perform them at the same time. The bill provides exceptions for recently acquired depository institutions and for depository institutions and credit unions subject to certain formal enforcement proceedings or orders.

Full bill text →

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SubjectsBank accounts, deposits, capitalBanking and financial institutions regulationBusiness recordsCongressional oversightCorporate finance and managementGovernment studies and investigations

XML scalars

congress
119
type
HR
number
4437
originChamber
House
originChamberCode
H
introducedDate
2025-07-16
updateDate
2026-09-19T23:34:31Z
updateDateIncludingText
2026-09-19T23:34:31Z
title
SMART Act of 2025
legislationUrl
https://www.congress.gov/bill/119th-congress/house-bill/4437

Constitutional authority statement (CDATA)

[Congressional Record Volume 171, Number 122 (Wednesday, July 16, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. TIMMONS:H.R. 4437.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8 of the U.S. Constitution[Page H3368]

Pipeline

Track
federal_presidential
Stage
Passed Chamber of Origin
Stage rank
2

Sponsor

  • Rep. Timmons, William R. [R-SC-4] · [R-SC-4] · T000480
    Rep-SC-4 current · 4 terms · @RepTimmons · 1 district office

Sponsor record (congress_legislators)

Bio (legislators)

bioguide
T000480
status
current
official_full
William R. Timmons IV
first
William
middle
R.
last
Timmons
suffix
null
nickname
null
birthday
1984-04-30
gender
M

Current term (4 total)

type
rep
state
SC
district
4
class
null
party
Republican
caucus
null
start
2025-01-03
end
2027-01-03
end_type
null
how
null
url
https://timmons.house.gov
address
267 Cannon House Office Building Washington DC 20515-4004
office
267 Cannon House Office Building
phone
202-225-6030
fax
null
contact_form
null
rss_url
null

Leadership roles (0)

none

Committee memberships (7)

  • Delivering on Government Efficiency (house) · house · rank 5
  • Digital Assets, Financial Technology, and Artificial Intelligence (house) · house · rank 6
  • Financial Institutions (house) · house · rank 6
  • House Committee on Financial Services (house) · house · rank 13 · site
  • House Committee on Oversight and Government Reform (house) · house · rank 16 · site
  • Housing and Insurance (house) · house · rank 4
  • Military and Foreign Affairs (house) · house · Chairman · rank 1

Social media

District offices (1)

  • 114 Trade Street, Greer, SC, 29651 · 864-241-0175 · 34.9378443,-82.2267724

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id
H8SC04250
cycle
2026
name
TIMMONS, WILLIAM R IV
party
REPUBLICAN PARTY
office
House
state
SC
district
04
incumbent_challenge
Incumbent
candidate_status
C
active_through
2026
election_year
null
first_file_date
2018-02-02
last_file_date
2025-02-20
last_f2_date
2025-02-20
address
null

Candidate summary (candidate_summaries) · cycle 2026

cycle
2026
total_receipts
$1,595,724.66
total_disbursements
$1,538,615.07
cash_on_hand_end_period
$77,224.61
debts_owed_by_committee
$0.00
coverage_start_date
2025-01-01
coverage_end_date
2026-06-30

Connected committees (0)

none

Cosponsors (1)

  • Rep. Foster, Bill [D-IL-11] · [D-IL-11] · F000454 · Co-sponsored 2025-07-16 · original
    Dem-IL-11 current · 9 terms · @RepBillFoster · 2 district offices

Committees (2)

  • Banking, Housing, and Urban Affairs Committee [Senate Standing]
    2026-05-13T16:28:56ZReferred To
  • Financial Services Committee [House Standing]
    2025-09-08T17:46:28ZReported By
    2025-07-22T15:58:00ZMarkup By
    2025-07-16T14:05:15ZReferred To

Actions — from XML (15)

  • 2026-05-13IntroReferralvia Senate
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  • 2026-05-12 15:30:56FloorH38310via House floor actions
    Motion to reconsider laid on the table Agreed to without objection.
  • 2026-05-12 15:30:54FloorH37300via House floor actions
    On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H3353-3354)
  • 2026-05-12 15:30:54Floor8000via Library of Congress
    Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H3353-3354)
  • 2026-05-12 15:15:52FloorH8D000via House floor actions
    DEBATE - The House proceeded with forty minutes of debate on H.R. 4437.
  • 2026-05-12 15:15:50FloorH30000via House floor actions
    Considered under suspension of the rules. (consideration: CR H3353-3356)
  • 2026-05-12 15:15:40FloorH30300via House floor actions
    Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  • 2025-09-08CalendarsH12410via House floor actions
    Placed on the Union Calendar, Calendar No. 206.
  • 2025-09-08CommitteeH12200via House floor actions
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-249.
  • 2025-09-08Committee5000via Library of Congress
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-249.
  • 2025-07-22Committeevia House committee actions
    Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 1.
  • 2025-07-22Committeevia House committee actions
    Committee Consideration and Mark-up Session Held
  • 2025-07-16IntroReferralH11100via House floor actions
    Referred to the House Committee on Financial Services.
  • 2025-07-16IntroReferralIntro-Hvia Library of Congress
    Introduced in House
  • 2025-07-16IntroReferral1000via Library of Congress
    Introduced in House

Actions — from bill_actions table (0)

none

Titles

  • Display Title2026-09-19T23:34:31Z
    SMART Act of 2025
  • Short Titles from RFS (Referred to Senate) bill textRFSS2026-05-15T03:08:24Z
    Supervisory Modifications for Appropriate Risk-based Testing Act of 2025
  • Short Titles from RFS (Referred to Senate) bill textRFSS2026-05-15T03:08:24Z
    SMART Act of 2025
  • Official Title from EH (Engrossed in House) bill textEHH2026-05-14T02:38:27Z
    To reduce the regulatory burden on certain well managed and well capitalized financial institutions, and for other purposes.
  • Short Title(s) as Passed HouseEHH2026-05-14T02:38:27Z
    SMART Act of 2025
  • Short Title(s) as Passed HouseEHH2026-05-14T02:38:27Z
    Supervisory Modifications for Appropriate Risk-based Testing Act of 2025
  • Short Title(s) as Reported to HouseRHH2025-09-09T07:08:25Z
    SMART Act of 2025
  • Short Title(s) as Reported to HouseRHH2025-09-09T07:08:25Z
    Supervisory Modifications for Appropriate Risk-based Testing Act of 2025
  • Short Title(s) as IntroducedIH2025-07-19T07:08:20Z
    SMART Act of 2025
  • Short Title(s) as IntroducedIH2025-07-19T07:08:20Z
    Supervisory Modifications for Appropriate Risk-based Testing Act of 2025
  • Official Title as IntroducedIH2025-07-19T07:03:29Z
    To reduce the regulatory burden on certain well managed and well capitalized financial institutions, and for other purposes.

Text versions (from XML)

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

00 · 2025-07-16 · Introduced in House

Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 or the SMART Act of 2025

This bill limits the scope of certain examinations and combines oversight procedures for certain small depository institutions and credit unions.

Specifically, depository institutions and credit unions that are considered well-capitalized and well-managed (per their most recent examination) with assets of $6 billion or less must receive a limited-scope examination, as determined by the appropriate federal regulator, in the year following a full-scope examination. In addition, upon request by the depository institution or credit union, the regulator must combine separate compliance examinations (e.g., safety and soundness examinations and information technology examinations) and perform them at the same time.

The bill provides exceptions for recently acquired depository institutions and for depository institutions and credit unions subject to certain formal enforcement proceedings or orders.

Related bills

  • HR 6955 (119) Main Street Capital Access Act
    Latest: 2026-07-22 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
    Relationship: Related bill (via CRS)

Amendments (0)

none

Laws

none

Committee reports

  • H. Rept. 119-249

Calendar number

null

CBO cost estimates

none

Latest action

Date
2026-05-13
Text
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Time
null

Dublin Core

format
text/xml
language
EN
rights
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
contributor
Congressional Research Service, Library of Congress
description
This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.

Row fields (debug)

id
6392
congress
119
bill_type
hr
bill_number
4437
bill_slug
hr-4437-119
title
SMART Act of 2025
short_title
Supervisory Modifications for Appropriate Risk-based Testing Act of 2025
sponsor_bioguide_id
T000480
sponsor_name
Rep. Timmons, William R. [R-SC-4]
sponsor_party
R
sponsor_state
SC
introduced_date
2025-07-16
latest_action_date
2026-05-13
latest_action_text
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
status
Committee
policy_area
Finance and Financial Sector
subjects_json
[
  "Bank accounts, deposits, capital",
  "Banking and financial institutions regulation",
  "Business records",
  "Congressional oversight",
  "Corporate finance and management",
  "Government studies and investigations"
]
govinfo_billstatus_path
BILLSTATUS-119hr4437
raw_billstatus_xml
<?xml version="1.0" encoding="utf-8" standalone="no"?> <billStatus> <version>3.0.0</version> <bill> <number>4437</number> <updateDate>2026-09-19T23:34:31Z</updateDate> <updateDateIncludingText>2026-09-19T23:34:31Z</updateDateIncludingText> <originChamber>House</originChamber> <originChamberCode>H</originChamberCode> <type>HR</type> <introducedDate>2025-07-16</int…
summary_lede
Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 or the SMART Act of 2025 This bill limits the scope of certain examinations and combines oversight procedures for certain small depository institutions and credit unions. Specifically, depository institutions and credit unions that are considered well-capitalized and well-managed (per their most recent examination) with as…
topic_primary
finance
topic_secondary_json
[]
action_family
committee_active
response_available
0
response_type
null
response_deadline
null
importance_score
null
consequence_score
null
urgency_score
null
overall_score
null
in_canopy
0
canopy_expires_at
null
pipeline_track
federal_presidential
pipeline_stage
passed_origin
pipeline_stage_rank
2
stable_action_id
hr-4437-119
jurisdiction
federal
lock_status
open
lock_at
null
content_hash
482a882a7b67533e2e5461c1ce329328851f444de294f591a10a3375fee5d004
anchored_at
null
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null
source_kind
api_fill
first_seen_at
2026-04-20T08:15:57.988066+00:00
last_seen_at
2026-09-27T11:30:22.070413+00:00
⎔ Anchored0x0000…0000Epoch 2026-Q4