SMART Act of 2025
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Summary
The SMART Act of 2025 reduces regulatory examination requirements for well-managed and well-capitalized banks and credit unions with $6 billion or less in consolidated assets. Qualifying institutions would alternate between full-scope and limited-scope examinations, and may combine separate safety, consumer compliance, and cybersecurity examinations upon request. The bill also requires federal banking agencies to minimize examination burden through experienced examiners, reduced examiner numbers, convenient scheduling, and advance notice of examination topics, with annual reporting to Congress on compliance.
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