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S. 3830

U.S. Senate•In Senate Committee

Summary

S. 3830, the TRUST Act of 2026, was introduced in the Senate on Feb 11, 2026 by Sen. Ted Budd (R) with 6 co-sponsors. It was referred to Banking, Housing, And Urban Affairs, and last saw action on Feb 11, 2026: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Record

Text

S. 3830 has 6 co-sponsors.

sb3830/introduced-in-senate.txt
119 S3830 IS: Tailored Regulatory Updates for Supervisory Testing Act of 2026
 U.S. Senate
 2026-02-11
 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.
 II  119th CONGRESS  2d Session  S. 3830  IN THE SENATE OF THE UNITED STATES   February 11, 2026   Mr. Budd  (for himself,  Mr. Kim ,  Mr. Kennedy , and  Ms. Alsobrooks ) introduced the following bill; which was read twice and referred to the  Committee on Banking, Housing, and Urban Affairs    A BILL
To amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6,000,000,000 in total assets not less than once during each 18-month period, and for other purposes.
1.
Short title
This Act may be cited as the   Tailored Regulatory Updates for Supervisory Testing Act of 2026   or the   TRUST Act of 2026  .
2.
Modification of examination cycle thresholds for well-managed institutions
Section 10(d) of the Federal Deposit Insurance Act ( 12 U.S.C. 1820(d) ) is amended—
(1)
in paragraph (4)(A), by striking  $3,000,000,000  and inserting  $6,000,000,000 ; and
(2)
in paragraph (10), by striking  $3,000,000,000  and inserting  $6,000,000,000 .

Tracker

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

  1. Introduced2026-02-11
  2. Passed Senate
  3. Passed House
  4. Conference
  5. To President
  6. Became Law

A bill to amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6,000,000,000 in total assets not less than once during each 18-month period, and for other purposes.

Sponsors

Sen. Ted Budd (R) sponsors S. 3830, and 6 members have co-sponsored it, 3 of them from the day it was introduced.

Committees

S. 3830 went before 1 committee: Banking, Housing, and Urban Affairs.

Banking, Housing, and Urban Affairs
Banking, Housing, and Urban Affairs
Referred To · Feb 11, 2026 · 465 Bills

Actions

S. 3830 has taken 2 actions since Feb 11, 2026.

ChamberAction
Feb 11, 2026
Senate
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.Banking, Housing, and Urban Affairs Committee
Feb 11, 2026
—
Introduced in Senate

Votes

S. 3830 has not gone to a roll call.

1 bill is related to S. 3830.

Titles

S. 3830 goes by 4 titles, 2 of them short titles.

  • TRUST Act of 2026 — Display Title
  • TRUST Act of 2026 — Short Title(s) as Introduced
  • Tailored Regulatory Updates for Supervisory Testing Act of 2026 — Short Title(s) as Introduced
  • A bill to amend the Federal Deposit Insurance Act to permit Federal banking agencies to examine qualifying insured depository institutions with under $6,000,000,000 in total assets not less than once during each 18-month period, and for other purposes. — Official Title as Introduced

Lobbying

4 clients hired 3 firms and 21 registered lobbyists who named S. 3830 in 10 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 Budget/Appropriations, Environment/Superfund, Banking, Housing, Agriculture, Financial Institutions/Investments/Securities, Taxation/Internal Revenue Code, Civil Rights/Civil Liberties.

Clients

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

ClientBusinessStateFirmsFilingsReported
ON BEHALF OF WATER FOUNDATION, MEMBER OF WATER EQUITY CLIMATE RESILIENCE CAUCUSClean water foundation.California15$150K
AMERICAN FINTECH COUNCILTrade association representing the largest fintech companies and innovative BaaS banksDistrict of Columbia12—
INDEPENDENT COMMUNITY BANKERS OF AMERICA—District of Columbia12—
POLICYLINK——11$80K

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
NVG, LLC26$230K
AMERICAN FINTECH COUNCIL12—
INDEPENDENT COMMUNITY BANKERS OF AMERICA12—

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 21.

LobbyistFirmsClientsFilings
PATRICIA GRIFFIN126
AMBER MILENKEVICH112
BRIAN LAVERDURE112
CHARLES YI112
HAYDEN COLE112
IAN MOLONEY112
JAMES KELLER112
JENNA BURKE112
LILLIANE THOMAS112
MARK SCANLAN112
MICHAEL EMANCIPATOR112
MICHAEL MARSHALL112
PAUL MERSKI112
REBECA ROMERO RAINEY112
SAMUEL BEAVER112
STEPHEN KEEN112
SUSAN KINNEY112
TIMOTHY ROY112
WALTER HAYNIE112
CHRISTOPHER SHARER111

Filings

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

ClientRegistrantPeriodReportedDocument
INDEPENDENT COMMUNITY BANKERS OF AMERICAINDEPENDENT COMMUNITY BANKERS OF AMERICA2026 second_quarter$2.2M2nd Quarter - Report
INDEPENDENT COMMUNITY BANKERS OF AMERICAINDEPENDENT COMMUNITY BANKERS OF AMERICA2026 first_quarter$890K1st Quarter - Report
AMERICAN FINTECH COUNCILAMERICAN FINTECH COUNCIL2026 second_quarter$110K2nd Quarter - Report
POLICYLINKNVG, LLC2025 fourth_quarter$80K4th Quarter - Report
AMERICAN FINTECH COUNCILAMERICAN FINTECH COUNCIL2026 first_quarter$70K1st Quarter - Report
ON BEHALF OF WATER FOUNDATION, MEMBER OF WATER EQUITY CLIMATE RESILIENCE CAUCUSNVG, LLC2025 fourth_quarter$30K4th Quarter - Termina…
ON BEHALF OF WATER FOUNDATION, MEMBER OF WATER EQUITY CLIMATE RESILIENCE CAUCUSNVG, LLC2025 fourth_quarter$30K4th Quarter - Report
ON BEHALF OF WATER FOUNDATION, MEMBER OF WATER EQUITY CLIMATE RESILIENCE CAUCUSNVG, LLC2025 third_quarter$30K3rd Quarter - Report
ON BEHALF OF WATER FOUNDATION, MEMBER OF WATER EQUITY CLIMATE RESILIENCE CAUCUSNVG, LLC2025 second_quarter$30K2nd Quarter - Report
ON BEHALF OF WATER FOUNDATION, MEMBER OF WATER EQUITY CLIMATE RESILIENCE CAUCUSNVG, LLC2025 first_quarter$30K1st Quarter - Report

Classification

The Congressional Research Service files S. 3830 under Finance and Financial Sector, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; S. 3830’s is Finance and Financial Sector.

s3830/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

Source: congress.gov · legiscan.com