The bill
TRUST Act of 2025
HR. 4478, 119th Congress — read as touching Commercial Banks.
TRUST Act of 2025
Download PDFBill ID: 119/hr/4478
Last Updated: July 16, 2026
Sponsored by
Rep. Moore, Tim [R-NC-14]
ID: M001236
Follow the money
The sponsor
Rep. Moore, Tim [R-NC-14]
Every bill has someone who introduced it. That name is where the paper trail starts.
The money
$84,400 raised
20 itemised contributions to this sponsor, pulled from FEC filings.
Bill's Journey to Becoming a Law
Track this bill's progress through the legislative process
Latest Action
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 12, 2026
Introduced
Committee Review
Floor Action
Passed House
Senate Review
📍 Current Status
Next: Both chambers must agree on the same version of the bill.
🎉
Passed Congress
🖊️
Presidential Action
⚖️
Became Law
📚 How does a bill become a law?
1. Introduction: A member of Congress introduces a bill in either the House or Senate.
2. Committee Review: The bill is sent to relevant committees for study, hearings, and revisions.
3. Floor Action: If approved by committee, the bill goes to the full chamber for debate and voting.
4. Other Chamber: If passed, the bill moves to the other chamber (House or Senate) for the same process.
5. Conference: If both chambers pass different versions, a conference committee reconciles the differences.
6. Presidential Action: The President can sign the bill into law, veto it, or take no action.
7. Became Law: If signed (or if Congress overrides a veto), the bill becomes law!
Bill Summary
[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4478 Referred in Senate (RFS)]
<DOC> 119th CONGRESS 2d Session H. R. 4478
_______________________________________________________________________
IN THE SENATE OF THE UNITED STATES
May 13, 2026
Received; read twice and referred to the Committee on Banking, Housing, and Urban Affairs
_________...
Related Topics
Congressional Rules & ProceduresFederal Budget & Appropriations
Generated using Llama 3.1 70B (Dr. Haus personality)
💰 Campaign Finance Network
Rep. Moore, Tim [R-NC-14]
Congress 119 • 2024 Election Cycle
Total Contributions
$84,400
16 donors
PACs
$0
Organizations
$0
Committees
$0
Individuals
$84,400
No PAC contributions found
No organization contributions found
No committee contributions found
1
HUCKABEE, BOBBY
$13,200
2
WORDSWORTH, ELAINE
$12,800
3
KELLER, OSCAR A III
$10,000
4
PARRISH, RODDRICK DOYLE
$8,800
5
BELL, III, JAMES
$3,300
6
BEAM, DREW
$3,300
7
DIXON, WYATT T
$3,300
8
BEAM III, DENNIS
$3,300
9
POWERS, DAVID
$3,300
10
LUDDY, MARIA COLL
$3,300
11
ROBINSON, ELOISE
$3,300
12
FONVILLE, THOMAS L
$3,300
13
WESSLING, ANNE
$3,300
14
CONNER, TIMOTHY D
$3,300
15
BROWN, DOUGLAS G
$3,300
16
ADAMS, WILLIAM CLAY
$3,300
Cosponsors & Their Campaign Finance
This bill has 1 cosponsors. Below are their top campaign contributors.
Rep. Torres, Ritchie [D-NY-15]
ID: T000486
Top Contributors
10
1
OPEN HAND ASSOCIATION, INC.
OrganizationBRONX, NY
$5,000
Jan 10, 2024
2
JANNEY MONTGOMERY SCOTT
OrganizationPHILADELPHIA, PA
$4,589
May 31, 2023
3
HABEMATOLEL POMO OF UPPER LAKE TRIBE OF CALIFORNIA
OrganizationUPPER LAKE, CA
$3,300
Jul 18, 2023
4
OTOE MISSOURIA TRIBE OF OKLAHOMA
OrganizationRED ROCK, OK
$3,300
Jul 18, 2023
5
TURTLE MOUNTAIN BAND OF CHIPPEWA OF NORTH DAKOTA
OrganizationBELCOURT, ND
$3,300
Jul 17, 2023
6
JANNEY MONTGOMERY SCOTT
OrganizationPHILADELPHIA, PA
$2,976
Apr 28, 2023
7
JANNEY MONTGOMERY SCOTT
OrganizationPHILADELPHIA, PA
$682
Jun 6, 2023
8
JANNEY MONTGOMERY SCOTT
OrganizationPHILADELPHIA, PA
$270
Jul 5, 2023
9
JANNEY MONTGOMERY SCOTT
OrganizationPHILADELPHIA, PA
$227
Jul 31, 2023
10
JANNEY MONTGOMERY SCOTT
OrganizationPHILADELPHIA, PA
$48
Jun 30, 2023
Donor Network - Rep. Moore, Tim [R-NC-14]
PACs
Organizations
Individuals
Politicians
Hub layout: Politicians in center, donors arranged by type in rings around them.
Loading...
Showing 30 nodes and 23 connections (30 secondary connections hidden)
Total contributions: $97,289
Top Donors - Rep. Moore, Tim [R-NC-14]
Showing top 16 donors by contribution amount
16 Individuals
Industry Impact
Which industries are materially affected by specific provisions in this bill. 1 helped.
- +Commercial Banksconfidence 0.95
Section 2 amends the Federal Deposit Insurance Act to raise the asset threshold for less frequent examinations from $3 billion to $6 billion for well-managed insured depository institutions, reducing regulatory burden and costs for commercial banks under $6B in assets.
Who funds the sponsor on these industries
For each industry this bill affects, here's what the sponsor (Rep. Moore, Tim [R-NC-14])received from donors associated with that industry during the 2022–present cycles. Donations are not proof of intent — they are a record of who funds the people writing the law.
Industries this bill HELPS
- Commercial Banks$4,450from 4 contributions
- NORMANN, WILLIAM K$3,450
- PATEL, HERSHEL$1,000
Related Bills
Other Bills by Rep. Moore, Tim
Similar Topics
Providing for consideration of the joint resolution (S.J. Res. 18) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions''; providing for consideration of the joint resolution (S.J. Res. 28) disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to ''Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications''; providing for consideration of the bill (H.R. 1526) to amend title 28, United States Code, to limit the authority of district courts to provide injunctive relief, and for other purposes; providing for consideration of the bill (H.R. 22) to amend the National Voter Registration Act of 1993 to require proof of United States citizenship to register an individual to vote in elections for Federal office, and for other purposes; and for other purposes.
119/hres/2822 shared topics
A resolution to constitute the majority party's membership on certain committees for the One Hundred Nineteenth Congress, or until their successors are chosen.
119/sres/382 shared topics
CREATE AI Act of 2025
119/hr/23852 shared topics