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H.R. 3379119th CongressPlaced on the calendarLatest action Jun 25, 2025Decoded by AI · checked against the record
The plain-language version leads. The official text is always the reference.
HR 3379 directs regulators to make bank grading criteria clearer and more objective, then finalize new rules within 12 months.
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HR 3379, the HUMPS Act of 2025, requires the Federal Financial Institutions Examination Council to recommend changes to the CAMELS bank rating system, making criteria clearer, adjusting factor weights, and narrowing or removing the "management" category. Regulators would then have 12 months to write official rules, including at least a 60-day public comment period.
Banks, credit unions, and other financial institutions examined by federal regulators, along with agencies like the FDIC, Federal Reserve, and OCC, are directly affected; consumers and communities could be indirectly affected.
Congress says the current system relies too heavily on examiner judgment, causing inconsistent grades for similar banks, which affects decisions like mergers and deposit insurance costs. The bill does not remove regulators' enforcement powers over unsafe banking practices.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: it was placed on the House floor calendar, and the official record shows no floor action on it since. If the Senate changes it, it goes back to the House before reaching the President.
Latest action: — Placed on the Union Calendar, Calendar No. 136.