Bill would overhaul how regulators grade bank health under CAMELS system
Placed on the calendarH.R. 3379Latest action
Sponsor: Scott Fitzgerald · Representative · WI
AIDecoded by AI · checked against the recordRead the official text
Official title: HUMPS Act of 2025
119th Congress
Topics: Jobs & the economy
Introduced:
Read the official bill on Congress.govIn plain words
The plain-language version comes first. 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.
40-second read · 4 questions answered below
What 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.
AI-drafted summary. Check it against the official text before you act on it.
Read the official bill on Congress.govMake the call
Where does it stand?
- IntroducedMay 14, 2025
- House committee
- House voteYou are here · Jun 25, 2025
- Senate
- The president's desk
Right now: it was placed on the , 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.