H.R. 3379Heading to a voteJobs & the economy
Bill would overhaul how regulators grade bank health under CAMELS system
Data as of July 23, 2026
HR 3379 directs regulators to make bank grading criteria clearer and more objective, then finalize new rules within 12 months.AI-decoded40-second read · 4 questions answered below
Decoded
AI-decodedWhat does this do?
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.
Who does it affect?
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.
Why does it matter?
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.
Where does it stand?
- Introduced
- House committee
- House vote — You are here
- Senate
- President's desk
Right now: it's headed for a House floor vote. If the Senate changes it, it goes back to the House before reaching the President.
AI-drafted summary. Verify it against the official text before you act on it.
Make the call
Three steps: where you stand, your script, the call.
See how a call works
Official title
HUMPS Act of 2025
- Introduced:
- May 14, 2025
- Latest action:
- June 25, 2025
Placed on the Union Calendar, Calendar No. 136.
Read the official bill on Congress.gov