I 
119TH CONGRESS 
1ST SESSION H. R. 5270 
To require the Board of Governors of the Federal Reserve System to issue 
rules to establish certain methodologies and scenarios used in stress 
testing, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 10, 2025 
Mr. HUIZENGA (for himself and Mr. BARR) introduced the following bill; 
which was referred to the Committee on Financial Services 
A BILL 
To require the Board of Governors of the Federal Reserve 
System to issue rules to establish certain methodologies 
and scenarios used in stress testing, and for other pur-
poses. 
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 ‘‘Stress Testing Ac-
countability and Transparency Act’’. 
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SEC. 2. RULEMAKING RELATED TO STRESS CAPITAL BUFF-
ER REQUIREMENTS. 
(a) IN GENERAL.—Not later than 90 days after the 
date of the enactment of this section, the Board of Gov-
ernors of the Federal Reserve System (in this Act referred 
to as the ‘‘Board’’) shall issue a rule to establish any mod-
els, assumptions, formulas, or other decisional methodolo-
gies that are used to determine any component or sub-
component of the stress capital buffer requirement for a 
bank holding company. 
(b) CHANGES.—The Board may only make changes 
to the rule issued under subsection (a) through notice and 
comment rulemaking. 
(c) NO DOUBLE-COUNT.—The Board shall ensure no 
double-count of capital requirements for the same risks 
in the stress capital buffer requirement and the risk-based 
capital requirements. 
(d) STRESS CAPITAL BUFFER REQUIREMENT DE-
FINED.—In this section, the term ‘‘stress capital buffer 
requirement’’ has the meaning given the term in section 
225.8(d) of title 12 of the Code of Federal Regulations. 
SEC. 3. RULEMAKING RELATING TO STRESS TESTING. 
(a) IN GENERAL.—Beginning in the first calendar 
year beginning after the date of the enactment of this sec-
tion, the Board shall, not less than 30 days before con-
ducting a stress test pursuant to section 165(i) of the Fi-
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nancial Stability Act of 2010, issue a rule to establish each 
scenario to be used in such stress test. 
(b) PROHIBITION.—The Board may not, by rule or 
otherwise, subject any nonbank financial company to a cli-
mate-related stress test using the authority provided in 
section 165(i) of the Financial Stability Act of 2010. 
SEC. 4. GAO REPORT. 
(a) IN GENERAL.—The Comptroller General of the 
United States shall, every 3 years, conduct a study and 
submit a report to the Congress with respect to the stress 
tests conducted by the Board under section 165(i) of the 
Financial Stability Act of 2010 in the 3 most recent cal-
endar years. 
(b) CONTENTS.—The report submitted to the Con-
gress under subsection (a) shall consider the effectiveness 
of the stress tests in evaluating— 
(1) the safety and soundness of the nonbank fi-
nancial institutions subjected to stress tests; 
(2) the stability of the United States financial 
system. 
Æ 
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