HR 5270 · introduced · significant

Stress Testing Accountability and Transparency Act

What this bill does

The Federal Reserve must publicly disclose the models, assumptions, and methods used in annual stress tests of large financial institutions.
Large bank holding companies and major nonbank financial companies are affected by these transparency and stress-testing requirements.
The Fed is prohibited from changing stress test methods without formal rulemaking and cannot conduct climate-related stress tests.

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Community Threads

Started by Cosponsor

01
How would requiring the Federal Reserve to publicly disclose stress-test models and assumptions affect banks' competitive positions and financial stability planning?
02
What trade-offs exist between the transparency benefits of public disclosure and the potential risks of revealing stress-test methodologies to financial institutions?
03
What evidence supports the premise that restricting the Fed's ability to conduct climate-related stress tests would better serve banking system stability?

Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.

Sponsor · R-MI-4

Bill Huizenga

Citizen cosponsors

In Congress

2/ 435

House Reps cosponsoring

Introduced 2025-11-04

Joining the bill

Legislative timeline

2025-11-04 · house · Calendars
Placed on the Union Calendar, Calendar No. 318.
2025-11-04 · house · Committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-366.
2025-11-04 · Committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-366.
2025-09-16 · house · Committee
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 24.
2025-09-16 · house · Committee
Committee Consideration and Mark-up Session Held
2025-09-10 · house · IntroReferral
Referred to the House Committee on Financial Services.
2025-09-10 · IntroReferral
Introduced in House
2025-09-10 · IntroReferral
Introduced in House

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