HUMPS Act of 2025
Take action
Record your position on this measure.
Create an account to record your position, submit testimony, or contact your legislator.
Progress
Where this bill stands in the legislative process.
- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Overview
This bill, the HUMPS Act of 2025, aims to improve the Federal Financial Institutions Examination Council’s (FFIEC) CAMELS rating system. It requires the FFIEC to establish clearer, more objective criteria for evaluating each component of the rating system, including revising the weighting of those components. The bill also proposes changes to how the management component is assessed and mandates that composite ratings be based on a transparent methodology.
Key provisions
- The FFIEC must establish clear and objective criteria for each CAMELS component.
- The weighting of each CAMELS component will be revised to create a more accurate composite rating.
- The management component may be eliminated or revised to focus on objective governance and controls.
- Composite ratings must be determined using a transparent methodology.
- Federal financial institutions regulatory agencies must issue rules implementing these changes within 12 months.
- A public comment period of at least 60 days must be provided before rules are finalized.
- The definition of ‘well managed’ in the Bank Holding Company Act will be updated to reflect the revised CAMELS system.
Who is affected
- Federal financial institutions regulatory agencies
- Financial institutions
- The Federal Financial Institutions Examination Council (FFIEC)
Notable changes
Bill text
Read the latest version inline or switch to a previous version.
Text extraction is in progress. View the official source.
Sponsors
Official sponsors from legislative records.
1 on record
Primary sponsor
Arguments
Reasons offered for and against this legislation.
Arguments in favor
No arguments in favor have been submitted.
Submit yoursArguments opposed
No arguments opposed have been submitted.
Submit yours