H.R. 4437 · 119th Congress · pending
SMART Act of 2025
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest official action 2026-05-13 · Referred
The bill, briefly
Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 or the SMART Act of 2025 This bill limits the scope of certain examinations and combines oversight procedures for certain small depository institutions and credit unions. Specifically, depository institutions and credit unions that are considered well-capitalized and well-managed (per their most recent examination) with assets of $6 billion or less must receive a limited-scope examination, as determined by the appropriate federal regulator, in the year following a full-scope examination. In addition, upon request by the depository institution or credit union, the regulator must combine separate compliance examinations (e.g., safety and soundness examinations and information technology examinations) and perform them at the same time. The bill provides exceptions for recently acquired depository institutions and for depository institutions and credit unions subject to certain formal enforcement proceedings or orders.
Congressional Research Service · 2025-07-16
Who reported lobbying on this bill?
Amount spent specifically on this bill: not disclosed
The reports below name this bill and disclose an organization’s overall lobbying expenses or a firm’s client income for the period. They can cover many bills and issues. These amounts are not payments to the bill or its politicians.
No matching lobbying report is imported yet. This is not evidence that no lobbying occurred.
2,409 latest lobbying reports imported. Some source imports are still in progress.
Politicians behind the bill
Sponsors and cosponsors from the official source, limited to members currently in office. Campaign amounts are cycle-wide and are not payments for this bill.
Sponsor
William R. Timmons IV
House · SC District 4 · Republican
$659,994PAC receipts · 2025–2026
Cosponsor
Bill Foster
House · IL District 11 · Democratic
$897,500PAC receipts · 2025–2026
1 of 1 source cosponsor records retrieved; only current officials and unwithdrawn sponsorships appear.
PAC donors to the listed sponsors
These are all-cycle contributions to the listed sponsors’ and cosponsors’ campaigns. FEC does not attribute them to this bill. A donation plus sponsorship does not establish why a politician acted.
AMERICAN BANKERS ASSOCIATION PAC (BANKPAC)$20,000
AMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS POLITICAL ACTION COMMITTEE$20,000
CRH AMERICAS, INC. PAC$20,000
William R. Timmons IV · Sponsor · $20,000
Official PAC recordERNST & YOUNG POLITICAL ACTION COMMITTEE$20,000
NEW YORK LIFE INSURANCE COMPANY POLITICAL ACTION COMMITTEE$20,000
REGIONS FINANCIAL CORPORATION POLITICAL ACTION COMMITTEE$20,000
AMERICAN FINANCIAL SERVICES ASSOCIATION PAC$17,500
DELOITTE POLITICAL ACTION COMMITTEE$17,500
PRICEWATERHOUSECOOPERS POLITICAL ACTION COMMITTEE I$17,500
UBS AMERICAS INC. POLITICAL ACTION COMMITTEE (UBS PAC)$17,500
AMERICAN EXPRESS COMPANY POLITICAL ACTION COMMITTEE (AXPPAC)$16,500
SECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION POLITICAL ACTION COMMITTEE$16,000
FMR LLC POLITICAL ACTION COMMITTEE - FEDERAL (FIDELITY PAC)$15,500
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES PAC$15,500
ALLY FINANCIAL INC. ADVOCACY POLITICAL ACTION COMMITTEE$15,000
BANK OF AMERICA CORPORATION FEDERAL PAC$15,000
NATIONAL APARTMENT ASSOCIATION POLITICAL ACTION COMMITTEE$15,000
NATIONAL ASSOCIATION OF REALTORS POLITICAL ACTION COMMITTEE$15,000
THE COUNCIL OF INSURANCE AGENTS & BROKERS POLITICAL ACTION COMMITTEE$15,000
NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS POLITICAL ACTION COMM$14,000
MORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE (MORPAC)$13,500
THE OPTIONS CLEARING CORPORATION PAC$13,500
FEDERAL BIPARTISAN VOLUNTARY PUBLIC AFFAIRS COMMITTEE OF THE PNC FINANCIAL SERVICES GROUP, INC. (PNC$13,000
INDEPENDENT COMMUNITY BANKERS OF AMERICA POLITICAL ACTION COMMITTEE (ICBA PAC)$13,000
WELLS FARGO AND COMPANY EMPLOYEES GOOD GOVERNMENT FEDERAL FUND II$13,000
JPMORGAN CHASE & CO. FEDERAL POLITICAL ACTION COMMITTEE$12,500
KPMG PARTNERS/PRINCIPALS AND EMPLOYEES PAC$12,500
MANAGED FUNDS ASSOCIATION POLITICAL ACTION COMMITTEE$12,500
MORGAN STANLEY POLITICAL ACTION COMMITTEE$12,500
NATIONAL MULTIFAMILY HOUSING COUNCIL AND REAL ESTATE TECHNOLOGY AND TRANSFORMATION CENTER POLITICAL ACTION COMMITTEE (NMHC PAC)$12,500
TRUIST FINANCIAL CORPORATION FEDERAL PAC$12,500
INVESTMENT COMPANY INSTITUTE POLITICAL ACTION COMMITTEE (ICI PAC)$11,500
PRUDENTIAL FINANCIAL INC. FEDERAL POLITICAL ACTION COMMITTEE (AKA - PRUDENTIAL FEDERAL PAC)$11,000
BLACKROCK FUNDS SERVICES GROUP LLC POLITICAL ACTION COMMITTEE (BLACKROCK PAC)$10,500
CITIGROUP INC. PAC - FEDERAL (CITI PAC - FEDERAL)$10,500
TD BANK US HOLDING COMPANY POLITICAL ACTION COMMITTEE (TD BANK PAC)$10,500
THE GOLDMAN SACHS GROUP, INC. POLITICAL ACTION COMMITTEE$10,500
U.S. BANCORP FEDERAL POLITICAL ACTION COMMITTEE$10,500
ALLIED PILOTS ASSOCIATION POLITICAL ACTION COMMITTEE$10,000
Bill Foster · Cosponsor · $10,000
Official PAC recordALLSTATE INSURANCE COMPANY PAC$10,000
The largest 40 donor totals appear here. Open each politician for their complete, paginated PAC donor list.
What happened after enactment?
This bill is not enacted. Post-enactment results do not apply yet.