Stress Testing Accountability and Transparency Act

openUnited States· United States Congress· EN

Introduced

10 September 2025

Last action

4 November 2025 · Reported

Status

Placed on the Union Calendar, Calendar No. 318.

Summary

Stress Testing Accountability and Transparency Act This bill requires the Federal Reserve Board to make public certain details concerning annual stress tests performed by the board and prohibits certain stress test practices. (Stress tests assess a financial institution’s response to a hypothetical disruptive economic event. The board sets an institution’s capital requirements or stress capital buffer based on the results.)  Specifically, the bill requires the board to issue a rule that establishes the models, assumptions, and methods used by the board to perform annual stress tests on certain nonbank financial companies and large bank holding companies. The board must also issue a rule determining the stress capital buffer requirement for certain companies that have at least two results from periodic stress tests. In addition, the board must disclose annually each scenario to be used in stress testing. Further, the board is prohibited from materially changing stress test methodologies outside of the rulemaking process. The board must also ensure that stress capital buffer requirements and risk-based capital requirements do not contain capital requirements for the same risks. The board is also prohibited from performing climate-related stress tests.  The Government Accountability Office must report on the effectiveness of the stress tests every three years.

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Timeline

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

Votes

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Versions

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Documents

3 official files

Reported in House

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Reported in House
Reported in House · EN · 4 November 2025
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Reported to House
summary · EN · 4 November 2025
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Introduced in House
Introduced in House · EN · 10 September 2025
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Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Vertaal naar
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Related records

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Sources

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Official source: https://www.congress.gov/bill/119th-congress/house-bill/5270
Open data entity: https://api.congress.gov/v3/bill/119/hr/5270
us · 119-hr-5270 · source updated 1 April 2026