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H.R. 5270

U.S. House•House Floor Calendar

Summary

H.R. 5270, the Stress Testing Accountability and Transparency Act, was introduced in the House on Sep 10, 2025 by Rep. Bill Huizenga (R) with 2 co-sponsors. It last saw action on Nov 4, 2025: Placed on the Union Calendar, Calendar No. 318.

Record

Text

H.R. 5270 has 2 co-sponsors.

hb5270/introduced-in-house.txt
119 HR 5270 IH: Stress Testing Accountability and Transparency Act
 U.S. House of Representatives
 2025-09-10
 text/xml
 EN
 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.
 I  119th CONGRESS  1st Session  H. R. 5270  IN THE HOUSE OF REPRESENTATIVES   September 10, 2025   Mr. Huizenga  (for himself and  Mr. Barr ) introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To require the Board of Governors of the Federal Reserve System to issue rules to establish certain methodologies and scenarios used in stress testing, and for other purposes.
1.
Short title
This Act may be cited as the   Stress Testing Accountability and Transparency Act  .
2.
Rulemaking related to stress capital buffer requirements
(a)
In general
Not later than 90 days after the date of the enactment of this section, the Board of Governors of the Federal Reserve System (in this Act referred to as the  Board ) shall issue a rule to establish any models, assumptions, formulas, or other decisional methodologies that are used to determine any component or subcomponent of the stress capital buffer requirement for a bank holding company.
(b)
Changes
The Board may only make changes to the rule issued under subsection (a) through notice and comment rulemaking.
(c)
No double-Count
The Board shall ensure no double-count of capital requirements for the same risks in the stress capital buffer requirement and the risk-based capital requirements.
(d)
Stress capital buffer requirement defined
In this section, the term  stress capital buffer requirement  has the meaning given the term in section 225.8(d) of title 12 of the Code of Federal Regulations.
3.
Rulemaking relating to stress testing
(a)
In general
Beginning in the first calendar year beginning after the date of the enactment of this section, the Board shall, not less than 30 days before conducting a stress test pursuant to section 165(i) of the Financial Stability Act of 2010, issue a rule to establish each scenario to be used in such stress test.
(b)
Prohibition
The Board may not, by rule or otherwise, subject any nonbank financial company to a climate-related stress test using the authority provided in section 165(i) of the Financial Stability Act of 2010.
4.
GAO report
(a)
In general
The Comptroller General of the United States shall, every 3 years, conduct a study and submit a report to the Congress with respect to the stress tests conducted by the Board under section 165(i) of the Financial Stability Act of 2010 in the 3 most recent calendar years.
(b)
Contents
The report submitted to the Congress under subsection (a) shall consider the effectiveness of the stress tests in evaluating—
(1)
the safety and soundness of the nonbank financial institutions subjected to stress tests;
(2)
the stability of the United States financial system.

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2025-09-10
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

CRS Summary

The summaries are the Congressional Research Service’s, one per stage. Read them in full.

Reported to House Nov 4, 2025

hb5270/reported-to-house.md

Shown Here:
Reported to House (11/04/2025)

Stress Testing Accountability and Transparency Act

This bill requires the Federal Reserve Board to make public certain details concerning annual stress tests performed by the board and prohibits certain stress test practices. (Stress tests assess a financial institution’s response to a hypothetical disruptive economic event. The board sets an institution’s capital requirements or stress capital buffer based on the results.)

Specifically, the bill requires the board to issue a rule that establishes the models, assumptions, and methods used by the board to perform annual stress tests on certain nonbank financial companies and large bank holding companies. The board must also issue a rule determining the stress capital buffer requirement for certain companies that have at least two results from periodic stress tests. In addition, the board must disclose annually each scenario to be used in stress testing.

Further, the board is prohibited from materially changing stress test methodologies outside of the rulemaking process. The board must also ensure that stress capital buffer requirements and risk-based capital requirements do not contain capital requirements for the same risks. The board is also prohibited from performing climate-related stress tests.

The Government Accountability Office must report on the effectiveness of the stress tests every three years.

Sponsors

Rep. Bill Huizenga (R) sponsors H.R. 5270, and 2 members have co-sponsored it, 1 of them from the day it was introduced.

Committees

H.R. 5270 went before 1 committee: Financial Services.

Financial Services
Financial Services
Reported By · Nov 4, 2025 · 559 Bills

Reports

1 committee report has been filed on H.R. 5270, the latest H. Rept. 119-366.

Actions

H.R. 5270 has taken 6 actions since Sep 10, 2025, the latest on Nov 4, 2025.

ChamberAction
Nov 4, 2025
House
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-366.Financial Services Committee
Nov 4, 2025
House
Placed on the Union Calendar, Calendar No. 318.
Sep 16, 2025
House
Committee Consideration and Mark-up Session HeldFinancial Services Committee
Sep 16, 2025
House
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24.Financial Services Committee
Sep 10, 2025
House
Introduced in House

Votes

H.R. 5270 has not gone to a roll call.

Titles

H.R. 5270 goes by 4 titles, 2 of them short titles.

  • Stress Testing Accountability and Transparency Act — Short Title(s) as Reported to House
  • Stress Testing Accountability and Transparency Act — Display Title
  • Stress Testing Accountability and Transparency Act — Short Title(s) as Introduced
  • To require the Board of Governors of the Federal Reserve System to issue rules to establish certain methodologies and scenarios used in stress testing, and for other purposes. — Official Title as Introduced

Lobbying

4 clients hired 4 firms and 134 registered lobbyists who named H.R. 5270 in 11 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Financial Institutions/Investments/Securities, Banking, Budget/Appropriations, Taxation/Internal Revenue Code, Copyright/Patent/Trademark, Government Issues, Homeland Security, Housing.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
CHAMBER OF COMMERCE OF THE U.S.A.—District of Columbia15—
AMERICAN BANKERS ASSOCIATION—District of Columbia13—
FINANCIAL SERVICES FORUM—District of Columbia12—
AMERICANS FOR FINANCIAL REFORM—District of Columbia11—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
CHAMBER OF COMMERCE OF THE U.S.A.15—
AMERICAN BANKERS ASSOCIATION13—
FINANCIAL SERVICES FORUM12—
AMERICANS FOR FINANCIAL REFORM11—

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 134.

LobbyistFirmsClientsFilings
ABELARDO TORRES115
ALEXA BRANSON115
AMANDA MAYS115
ANDREA PORWOLL115
ASHLEY GUM115
BRADLEY WATTS115
BRINCE MANNING115
BROOKE MILLER115
CASSIA CARVALHO115
CHAD WHITEMAN115
CHANTEL SHEAKS115
CHRISTOPHER CRENSHAW115
CHRISTOPHER EYLER115
CHRISTOPHER GUITH115
CHRISTOPHER ROBERTI115
CLARK JACKSON115
DAN BYERS115
ERIN DELANEY115
ESPERANZA JELALIAN115
FOXHALL PARKER115

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2026 first_quarter$19.8M1st Quarter - Amendme…
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2026 first_quarter$19.8M1st Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2025 fourth_quarter$18M4th Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2026 second_quarter$17M2nd Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2025 third_quarter$13.7M3rd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2026 second_quarter$3.5M2nd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2026 first_quarter$3.1M1st Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2025 fourth_quarter$1.7M4th Quarter - Report
FINANCIAL SERVICES FORUMFINANCIAL SERVICES FORUM2025 third_quarter$718K3rd Quarter - Report
FINANCIAL SERVICES FORUMFINANCIAL SERVICES FORUM2025 fourth_quarter$630K4th Quarter - Report
AMERICANS FOR FINANCIAL REFORMAMERICANS FOR FINANCIAL REFORM2025 third_quarter$150K3rd Quarter - Report

Classification

The Congressional Research Service files H.R. 5270 under Finance and Financial Sector, one of its 31 policy areas, and gives it 8 legislative subjects.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 5270’s is Finance and Financial Sector.

hr5270/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Legislative Subjects

H.R. 5270 carries 8 of CRS’s legislative subjects, from Bank accounts, deposits, capital to Performance measurement.

hr5270/subjects.txt
Bank accounts, deposits, capitalBanking and financial institutions regulationCongressional oversightFederal Reserve SystemFinancial crises and stabilizationGovernment information and archivesGovernment studies and investigationsPerformance measurement

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 5270, as entered in the Congressional Record.

[Congressional Record Volume 171, Number 148 (Wednesday, September 10, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. HUIZENGA:H.R. 5270.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the United States Constitution[Page H4239]

Source: congress.gov · legiscan.com