IB 
Union Calendar No. 318 
119TH CONGRESS 
1ST SESSION H. R. 5270 
[Report No. 119–366] 
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 
NOVEMBER 4, 2025 
Additional sponsor: Mr. SESSIONS 
NOVEMBER 4, 2025 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
[For text of introduced bill, see copy of bill as introduced on September 10, 2025] 
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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. 
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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 Account-
ability and Transparency Act’’. 
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 Governors 
of the Federal Reserve System (in this Act referred to as 
the ‘‘Board’’) shall issue a rule— 
(1) establishing the models, assumptions, for-
mulas, and other decisional methodologies that are 
used to conduct any stress test pursuant to section 
165(i) of the Financial Stability Act of 2010 (12 
U.S.C. 5365(i)), including any such test that is used 
to determine any component or subcomponent of the 
stress capital buffer requirement for a covered com-
pany; and 
(2) to determine, where the Board has super-
visory stress test results from two or more periodic 
analyses of a covered company, the covered company’s 
stress capital buffer requirement on the basis of super-
visory stress test results from two or more periodic 
analyses of that covered company. 
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(b) CHANGES.—The Board may only make material 
changes to the methodologies established in the rule issued 
under subsection (a)(1) through notice and comment rule-
making. 
(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 cap-
ital requirements. 
(d) DEFINITIONS.—In this section: 
(1) COVERED
COMPANY.—The term ‘‘covered 
company’’ means a company to which section 225.8 
of title 12, Code of Federal Regulations, or section 
238.170 of title 12, Code of Federal Regulations, ap-
plies. 
(2) STRESS CAPITAL BUFFER REQUIREMENT.— 
The term ‘‘stress capital buffer requirement’’ has the 
meaning given that term under— 
(A) section 225.8(d) of title 12, Code of Fed-
eral Regulations; and 
(B) section 238.170(d) of title 12, Code of 
Federal Regulations. 
(e) RULE OF CONSTRUCTION.—Nothing in this section 
may be construed to imply that the Board is required to 
establish a stress capital buffer requirement for any bank 
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holding company or any other company regulated by the 
Board. 
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 60 days before con-
ducting a stress test pursuant to section 165(i) of the Fi-
nancial Stability Act of 2010, publicly disclose each sce-
nario to be used in such stress test. 
(b) PROHIBITION.—The Board may not, by rule or 
otherwise, subject any nonbank financial company or bank 
holding company to a climate-related stress test using the 
authority provided in section 165(i) of the Financial Sta-
bility 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 sub-
mit a report to the Congress with respect to the stress tests 
conducted by the Board under section 165(i) of the Finan-
cial Stability Act of 2010 in the 3 most recent calendar 
years. 
(b) CONTENTS.—The report submitted to the Congress 
under subsection (a) shall consider the effectiveness of the 
stress tests in evaluating— 
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(1) the safety and soundness of the nonbank fi-
nancial companies and bank holding companies sub-
jected to stress tests; and 
(2) the stability of the United States financial 
system. 
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Union Calendar No. 318 
119TH CONGRESS 
1ST SESSION 
H. R. 5270 
[Report No. 119–366] 
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 test-
ing, and for other purposes. 
NOVEMBER 4, 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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