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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
Sponsor
William R. Timmons, R-SC-4
4 terms · @RepTimmons
Official website ↗
267 Cannon House Office Building Washington DC 20515-4004 · 202-225-6030
Cosponsors (1)
  • Bill Foster, D-IL-11Original cosponsor
    Co-sponsored Jul 16, 2025 · 9 terms · @RepBillFoster
Committees (2)
  • Banking, Housing, and Urban Affairs Committee
    Senate Standing · Activity May 13, 2026
  • Financial Services Committee
    House Standing · Activity Sep 8, 2025
Actions (15)
  1. May 13, 2026 · via Senate
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. May 12, 2026 · via House floor actions
    Motion to reconsider laid on the table Agreed to without objection.
  3. May 12, 2026 · via House floor actions
    On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H3353-3354)
  4. May 12, 2026 · via 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)
  5. May 12, 2026 · via House floor actions
    DEBATE - The House proceeded with forty minutes of debate on H.R. 4437.
  6. May 12, 2026 · via House floor actions
    Considered under suspension of the rules. (consideration: CR H3353-3356)
  7. May 12, 2026 · via House floor actions
    Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
  8. Sep 8, 2025 · via House floor actions
    Placed on the Union Calendar, Calendar No. 206.
  9. Sep 8, 2025 · via House floor actions
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-249.
  10. Sep 8, 2025 · via Library of Congress
    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-249.
  11. Jul 22, 2025 · via House committee actions
    Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 1.
  12. Jul 22, 2025 · via House committee actions
    Committee Consideration and Mark-up Session Held
  13. Jul 16, 2025 · via House floor actions
    Referred to the House Committee on Financial Services.
  14. Jul 16, 2025 · via Library of Congress
    Introduced in House
  15. Jul 16, 2025 · via Library of Congress
    Introduced in House
Known as

Supervisory Modifications for Appropriate Risk-based Testing Act of 2025

IntroducedJul 16, 2025
Policy areaFinance and Financial Sector
RelatedH.R. 6955
SourceView on Congress.gov ↗
Bill textRead full text →

Constitutional authority cited

[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]
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