HUMPS Act of 2025
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Summary
The HUMPS Act of 2025 amends the Federal Financial Institutions Examination Council Act to require federal banking regulators to update the CAMELS Rating System—which evaluates bank safety and soundness—by establishing clearer, more objective criteria for each component and reducing reliance on examiner judgment. The bill directs regulators to either eliminate or substantially revise the management component of CAMELS ratings to focus on objective governance measures, ensure composite ratings reflect compliance with anti-money laundering and terrorist financing requirements, and use transparent, objective methodologies. Regulators must issue implementing rules within 12 months following a public comment period of at least 90 days.
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