I 
119TH CONGRESS 
1ST SESSION H. R. 3379 
To amend the Federal Financial Institutions Examination Council Act of 
1978 to require the Federal financial institutions regulatory agencies 
to update the CAMELS Rating System, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 14, 2025 
Mr. FITZGERALD introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To amend the Federal Financial Institutions Examination 
Council Act of 1978 to require the Federal financial 
institutions regulatory agencies to update the CAMELS 
Rating System, and for other purposes. 
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— 
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(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 pro-
mote fairness, consistency, and accountability in su-
pervisory assessments; and 
(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 Institu-
tions Examination Council Act of 1978 (12 U.S.C. 3301 
et seq.) is amended by adding at the end the following: 
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‘‘SEC. 1012. AMENDMENTS TO THE CAMELS RATING SYS-
TEM. 
‘‘(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 weighting of each CAMELS 
component to derive a composite rating that more 
accurately reflects the financial condition and risk 
profile 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-
ures of the governance and controls used to 
manage an institution’s risk profile; and 
‘‘(4) 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 
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subsection (a), the Federal financial institutions regu-
latory agencies shall, jointly, issue rules to carry out the 
recommendations described under subsection (a). 
‘‘(c) PUBLIC COMMENT PERIOD.—In issuing the 
rules required under subsection (b), the Federal financial 
institutions 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 60 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 
follows through ‘‘a CAMEL’’ and inserting ‘‘achieve-
ment of a CAMEL’’; 
(2) by striking ‘‘; and’’ and inserting a period; 
and 
(3) by striking clause (ii). 
Æ 
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