HR 4437 119th Congress
SMART Act of 2025
To reduce the regulatory burden on certain well managed and well capitalized financial institutions, and for other purposes.
Official Title as Introduced Congress.gov
Open official Congress.gov recordSource-linked procedural record
Bill journey
This is a chronology, not a progress score. Politically.com does not classify stages or infer what comes next. Records sharing a date are grouped because not every source field supplies a time.
Congress.gov Recently refreshed
U.S. Senate XML Recently refreshed
-
Introduction Congress.gov
Introduced
Introduced in the House.
Open bill recordOfficial action Congress.gov
Referred to the House Committee on Financial Services.
Open bill recordOfficial action Congress.gov
Introduced in House
Open bill recordOfficial action Congress.gov
Introduced in House
Open bill recordText version Congress.gov
Introduced in House
A dated text-version record is available.
Open text record -
Official action Congress.gov
Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 1.
Open bill recordOfficial action Congress.gov
Committee Consideration and Mark-up Session Held
Open bill record -
Official action Congress.gov
Placed on the Union Calendar, Calendar No. 206.
Open bill recordOfficial action Congress.gov
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-249.
Open bill recordOfficial action Congress.gov
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-249.
Open bill recordText version Congress.gov
Reported in House
A dated text-version record is available.
Open text record -
Text version Congress.gov
Engrossed in House
A dated text-version record is available.
Open text recordOfficial action Congress.gov · 3:15 pm UTC
Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
Open bill recordOfficial action Congress.gov · 3:15 pm UTC
Considered under suspension of the rules. (consideration: CR H3353-3356)
Open bill recordOfficial action Congress.gov · 3:15 pm UTC
DEBATE - The House proceeded with forty minutes of debate on H.R. 4437.
Open bill recordOfficial action Congress.gov · 3:30 pm UTC
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H3353-3354)
Open bill recordOfficial action Congress.gov · 3:30 pm UTC
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H3353-3354)
Open bill recordOfficial action Congress.gov · 3:30 pm UTC
Motion to reconsider laid on the table Agreed to without objection.
Open bill record -
Official action Congress.gov
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Open bill recordText version Congress.gov
Referred in Senate
A dated text-version record is available.
Open text record
View the complete bill journey as an accessible table
| Date and time | Record | Official detail | Source |
|---|---|---|---|
| IntroductionIntroduced | Introduced in the House. | Congress.gov | |
| Official actionReferred to the House Committee on Financial Services. | No additional detail supplied.IntroReferral · House floor actions · Code H11100 | Congress.gov | |
| Official actionIntroduced in House | No additional detail supplied.IntroReferral · Library of Congress · Code Intro-H | Congress.gov | |
| Official actionIntroduced in House | No additional detail supplied.IntroReferral · Library of Congress · Code 1000 | Congress.gov | |
| Text versionIntroduced in House | A dated text-version record is available. | Congress.gov | |
| Official actionOrdered to be Reported (Amended) by the Yeas and Nays: 53 - 1. | No additional detail supplied.Committee · House committee actions · Code H19000 | Congress.gov | |
| Official actionCommittee Consideration and Mark-up Session Held | No additional detail supplied.Committee · House committee actions · Code H15001 | Congress.gov | |
| Official actionPlaced on the Union Calendar, Calendar No. 206. | No additional detail supplied.Calendars · House floor actions · Code H12410 | Congress.gov | |
| Official actionReported (Amended) by the Committee on Financial Services. H. Rept. 119-249. | No additional detail supplied.Committee · House floor actions · Code H12200 | Congress.gov | |
| Official actionReported (Amended) by the Committee on Financial Services. H. Rept. 119-249. | No additional detail supplied.Committee · Library of Congress · Code 5000 | Congress.gov | |
| Text versionReported in House | A dated text-version record is available. | Congress.gov | |
| Text versionEngrossed in House | A dated text-version record is available. | Congress.gov | |
| Official actionMr. Hill (AR) moved to suspend the rules and pass the bill, as amended. | No additional detail supplied.Floor · House floor actions · Code H30300 | Congress.gov | |
| Official actionConsidered under suspension of the rules. (consideration: CR H3353-3356) | No additional detail supplied.Floor · House floor actions · Code H30000 | Congress.gov | |
| Official actionDEBATE - The House proceeded with forty minutes of debate on H.R. 4437. | No additional detail supplied.Floor · House floor actions · Code H8D000 | Congress.gov | |
| Official actionOn motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H3353-3354) | No additional detail supplied.Floor · House floor actions · Code H37300 | Congress.gov | |
| Official actionPassed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H3353-3354) | No additional detail supplied.Floor · Library of Congress · Code 8000 | Congress.gov | |
| Official actionMotion to reconsider laid on the table Agreed to without objection. | No additional detail supplied.Floor · House floor actions · Code H38310 | Congress.gov | |
| Official actionReceived in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. | No additional detail supplied.IntroReferral · Senate | Congress.gov | |
| Text versionReferred in Senate | A dated text-version record is available. | Congress.gov |
House roll calls join only on matching Congress, legislation type, and number. Senate roll calls join only on matching source-supplied document type and number, not question text. Committee and related-measure relationships have no date in their relationship records and therefore are counted above but never placed on the chronology.
Congressional Research Service
CRS summary
Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 or the SMART Act of 2025This bill limits the scope of certain examinations and combines oversight procedures for certain small depository institutions and credit unions.Specifically, depository institutions and credit unions that are considered well-capitalized and well-managed (per their most recent examination) with assets of $6 billion or less must receive a limited-scope examination, as determined by the appropriate federal regulator, in the year following a full-scope examination. In addition, upon request by the depository institution or credit union, the regulator must combine separate compliance examinations (e.g., safety and soundness examinations and information technology examinations) and perform them at the same time.The bill provides exceptions for recently acquired depository institutions and for depository institutions and credit unions subject to certain formal enforcement proceedings or orders.
Official documents
Text versions
- Referred in SenateMay 13, 2026
- Engrossed in HouseMay 12, 2026
- Reported in HouseSep 8, 2025
- Introduced in HouseJul 16, 2025