Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Halting Uncertain 
Methods and Practices in Supervision Act of 2025’’ or the 
‘‘HUMPS Act of 2025’’. 
SEC. 2. FINDINGS. 
Congress finds that— 
(1) CAMELS ratings (Capital adequacy, Asset 
quality, Management, Earnings, Liquidity, and Sen-
sitivity to market risk) are a critical tool for evalu-
ating the safety and soundness of financial institu-
tions, and the basis for determining significant regu-
latory matters such as the evaluation for mergers and 
acquisitions and a bank’s deposit insurance pre-
miums; 
(2) the CAMELS rating system relies heavily on 
examiner judgment, which can lead to subjective and 
inconsistent ratings across similar institutions; 
(3) establishing clear, objective measures for each 
CAMELS component and their relative weighting in 
determining composite ratings will promote fairness, 
consistency, and accountability in supervisory assess-
ments; and 
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(4) examination and supervision, as well as the 
CAMELS rating system, should focus on a financial 
institution’s core financial condition or solvency. 
SEC. 3. AMENDMENTS TO THE CAMELS RATING SYSTEM. 
(a) IN GENERAL.—The Federal Financial Institutions 
Examination Council Act of 1978 (12 U.S.C. 3301 et seq.) 
is amended by adding at the end the following: 
‘‘SEC. 1012. AMENDMENTS TO THE CAMELS RATING SYSTEM. 
‘‘(a) IN GENERAL.—The Council shall make rec-
ommendations to amend the Uniform Financial Institu-
tions Rating System, and the CAMELS components there-
under, to— 
‘‘(1) establish clear and objective criteria for as-
sessing each CAMELS component; 
‘‘(2) revise the factors affecting each CAMELS 
component to derive a composite rating that more ac-
curately reflects the financial condition and risk pro-
file of the financial institutions being rated; 
‘‘(3) either— 
‘‘(A) eliminate the management component 
of the CAMELS rating system; or 
‘‘(B) revise the management component of 
the CAMELS rating system to limit the assess-
ment under such component to objective meas-
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ures of the governance and controls used to man-
age an institution’s risk profile; 
‘‘(4) ensure that composite ratings consider the 
financial institution’s compliance with— 
‘‘(A) section 21 of the Federal Deposit In-
surance Act (12 U.S.C. 1829b); 
‘‘(B) chapter 2 of title I of Public Law 91- 
508 (12 U.S.C. 1951 et seq.); 
‘‘(C) subchapter II of chapter 53 of title 31, 
United States Code; and 
‘‘(D) any other applicable requirements and 
implementing regulations relating to the preven-
tion of money laundering and terrorist financ-
ing; and 
‘‘(5) ensure that composite ratings are deter-
mined based on a transparent methodology that is 
limited to the objective criteria established for each 
CAMELS component. 
‘‘(b) RULEMAKING.—Not later than 12 months after 
the Council makes the recommendations required under sub-
section (a), the Federal financial institutions regulatory 
agencies shall, jointly, issue rules to carry out the rec-
ommendations described under subsection (a). 
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‘‘(c) PUBLIC COMMENT PERIOD.—In issuing the rules 
required under subsection (b), the Federal financial institu-
tions regulatory agencies shall— 
‘‘(1) publish a notice of proposed rulemaking 
with respect to such rules; and 
‘‘(2) provide for a public comment period of not 
less than 90 days. 
‘‘(d) RULE OF CONSTRUCTION.—Nothing in this sec-
tion may be construed to limit the authority of the Federal 
financial institutions regulatory agencies to take super-
visory or enforcement actions to ensure the safety and 
soundness of financial institutions.’’. 
(b) WELL MANAGED DEFINITION.—Section 2(o)(9)(A) 
of the Bank Holding Company Act of 1956 (12 U.S.C. 
1841(o)(9)(A)) is amended— 
(1) by striking ‘‘achievement of’’ and all that fol-
lows through ‘‘a CAMEL’’ and inserting ‘‘achieve-
ment of a CAMEL’’; 
(2) by striking ‘‘; and’’ and inserting a period; 
and 
(3) by striking clause (ii). 
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Union Calendar No. 136 
119TH CONGRESS 
1ST SESSION 
H. R. 3379 
[Report No. 119–170] 
A BILL 
To amend the Federal Financial Institutions Exam-
ination Council Act of 1978 to require the Fed-
eral financial institutions regulatory agencies to 
update the CAMELS Rating System, and for 
other purposes. 
JUNE 25, 2025 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
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