SMART Act of 2025

[AI summary unavailable — showing source text] [Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4437 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 4437 To reduce the regulatory burden on certain well managed and well capitalized financial institutions, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES July 16, 2025 Mr. Timmons (for himself and Mr. Foster) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To reduce the regulatory burden on certain well managed and well capitalized financial institutions, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Supervisory Modifications for Appropriate Risk-based Testing Act of 2025'' or the ``SMART Act of 2025''. SEC. 2. EXAMINATION RELIEF FOR CERTAIN WELL MANAGED AND WELL CAPITALIZED FINANCIAL INSTITUTIONS. (a) Insured Depository Institutions.--Section 10(d) of the Federal Deposit Insurance …