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H. Rept. 119-252 1 (2025-09-08)

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                    119TH CONGRESS                                         REPORT
                       1st Session    HOUSE   OF REPRESENTATIVES           119-252









                               TAILORED REGULATORY UPDATES FOR
                                 SUPERVISORY TESTING ACT OF 2025




                    SEPTEMBER 8, 2025.-Committed to the Committee of the Whole House on the State
                                      of the Union and ordered to be printed




                     Mr. HILL  of Arkansas, from the Committee  on Financial Services,
                                          submitted  the following


                                             REPORT


                                           [To accompany H.R. 4478]

                      The  Committee  on  Financial Services, to whom  was referred the
                    bill (H.R. 4478) to amend the Federal Deposit Insurance  Act to per-
                    mit Federal banking  agencies to examine  qualifying insured deposi-
                    tory institutions with under $6 billion in total assets not less than
                    once during  each 18-month  period, and  for other purposes, having
                    considered the same, reports favorably thereon without  amendment
                    and recommends   that the bill do pass.

                                                 CONTENTS
                                                                                    Page
                    Purpose and Sum m ary  ........................................................................................... .  2
                    Background and Need for  Legislation  ....................................................................  2
                    Com m ittee  Consideration  ........................................................................................  2
                    R elated H earing  ...................................................................................................... .  2
                    C om m ittee  V otes  .....................................................................................................  3
                    Com m ittee  Oversight Findings  ...............................................................................  5
                    Perform ance Goals  and  Objectives  .........................................................................  5
                    Com m ittee  Cost  Estim ate  .......................................................................................  5
                    New Budget Authority and CBO Cost Estimate ...................................................  5
                    Unfunded M andates Statem ent  .............................................................................  5
                    E arm ark Statem ent  .................................................................................................  5
                    Federal Advisory Committee Act Statement .........................................................  6
                    Applicability  to  the  Legislative  Branch  .................................................................  6
                    Duplication of Federal Program  s  ............................................................................  6
                    Section-by-Section  Analysis of the  Legislation  ......................................................  6
                    Changes in Existing Law Made by the Bill, as Reported ................. 6


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