US SB3830

Raises the asset threshold for extended bank examination cycles from $3 billion to $6 billion under the Federal Deposit Insurance Act

Allows qualifying insured depository institutions with under $6 billion in total assets to be examined once every 18 months instead of more frequently

Applies to well-managed institutions that meet existing safety and soundness standards for the extended examination cycle

Introduced February 11, 2026 with bipartisan sponsorship (Senators Budd, Kim, Kennedy, and Alsobrooks) and referred to the Senate Banking Committee