The bill
SMART Act of 2025
HR. 4437, 119th Congress — read as touching Commercial Banks.
SMART Act of 2025
Download PDFBill ID: 119/hr/4437
Last Updated: July 17, 2026
Sponsored by
Rep. Timmons, William R. [R-SC-4]
ID: T000480
Follow the money
The sponsor
Rep. Timmons, William R. [R-SC-4]
Every bill has someone who introduced it. That name is where the paper trail starts.
The money
$71,300 raised
22 itemised contributions to this sponsor, pulled from FEC filings.
Bill's Journey to Becoming a Law
Track this bill's progress through the legislative process
Latest Action
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
May 12, 2026
Introduced
Committee Review
Floor Action
Passed House
Senate Review
📍 Current Status
Next: Both chambers must agree on the same version of the bill.
🎉
Passed Congress
🖊️
Presidential Action
⚖️
Became Law
📚 How does a bill become a law?
1. Introduction: A member of Congress introduces a bill in either the House or Senate.
2. Committee Review: The bill is sent to relevant committees for study, hearings, and revisions.
3. Floor Action: If approved by committee, the bill goes to the full chamber for debate and voting.
4. Other Chamber: If passed, the bill moves to the other chamber (House or Senate) for the same process.
5. Conference: If both chambers pass different versions, a conference committee reconciles the differences.
6. Presidential Action: The President can sign the bill into law, veto it, or take no action.
7. Became Law: If signed (or if Congress overrides a veto), the bill becomes law!
Bill Summary
[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4437 Referred in Senate (RFS)]
<DOC> 119th CONGRESS 2d Session H. R. 4437
_______________________________________________________________________
IN THE SENATE OF THE UNITED STATES
May 13, 2026
Received; read twice and referred to the Committee on Banking, Housing, and Urban Affairs
_________...
Related Topics
Federal Budget & AppropriationsCongressional Rules & Procedures
Generated using Llama 3.1 70B (Dr. Haus personality)
💰 Campaign Finance Network
Rep. Timmons, William R. [R-SC-4]
Congress 119 • 2024 Election Cycle
Total Contributions
$71,300
21 donors
PACs
$0
Organizations
$5,300
Committees
$0
Individuals
$66,000
No PAC contributions found
1
OTOE MISSOURIA TRIBE
$3,300
2
CATAWBA INDIAN NATION
$2,000
No committee contributions found
1
BURGAMY, LARRY G. JR.
$6,600
2
CHEVES, WALLACE
$3,300
3
HODGES, MICHAEL LYNN
$3,300
4
CARROLL, WILLIAM
$3,300
5
FLOYD, KAREN K
$3,300
6
ADAMS, C. DAN
$3,300
7
RODRIGUEZ, RAUL
$3,300
8
MILLEGAN, BRANTLY
$3,300
9
ELLIS, SLOAN P.
$3,300
10
SOLTAN, MOHAMED
$3,300
11
GREGORY, PHILLIP W.
$3,300
12
MCKISSICK, A. FOSTER III
$3,300
13
JOHNSON, ROBERT M.
$3,300
14
WINKLEVOSS, CAMERON
$3,300
15
SCHWARZMAN, CHRISTINE
$3,300
16
WINKLEVOSS, TYLER
$3,300
17
SCHWARZMAN, STEPHEN
$3,300
18
CASCARILLA, MARISSA
$3,300
19
CASCARILLA, CHARLES
$3,300
Cosponsors & Their Campaign Finance
This bill has 1 cosponsors. Below are their top campaign contributors.
Rep. Foster, Bill [D-IL-11]
ID: F000454
Top Contributors
10
1
OTOE MISSOURIA TRIBE OF OKLAHOMA
OrganizationRED ROCK, OK
$3,300
Oct 28, 2024
2
HABEMATOLEL POMO OF UPPER LAKE TRIBE
OrganizationUPPER LAKE, CA
$3,300
May 24, 2023
3
OTOE MISSOURIA TRIBE OF OKLAHOMA
OrganizationRED ROCK, OK
$3,300
May 24, 2023
4
TURTLE MOUNTAIN BAND OF CHIPPEWA
OrganizationBELCOURT, ND
$3,300
May 24, 2023
5
SIVANANTHAN, SIVALINGAM
SIVANANTHAN LABORATORIES • PRESIDENT
IndividualNAPERVILLE, IL
$3,300
Nov 4, 2024
6
TULLMAN, GLEN
TRANSCARENT • CEO
IndividualCHICAGO, IL
$3,300
Oct 17, 2024
7
MCINTOSH, WILLIAM A.
NOT EMPLOYED • NOT EMPLOYED
IndividualKENILWORTH, IL
$3,300
Oct 29, 2024
8
STOWELL, MARY
NOT EMPLOYED • NOT EMPLOYED
IndividualWINNETKA, IL
$3,300
Oct 31, 2024
9
KHOSLA, NEERU
CK-12 FOUNDATION • EXECUTIVE DIRECTOR
IndividualPORTOLA VALLEY, CA
$3,300
Oct 21, 2024
10
MORRISON, KATE B.
NOT EMPLOYED • NOT EMPLOYED
IndividualCHICAGO, IL
$3,300
Nov 5, 2024
Donor Network - Rep. Timmons, William R. [R-SC-4]
PACs
Organizations
Individuals
Politicians
Hub layout: Politicians in center, donors arranged by type in rings around them.
Loading...
Showing 52 nodes and 25 connections (47 secondary connections hidden)
Total contributions: $81,200
Top Donors - Rep. Timmons, William R. [R-SC-4]
Showing top 21 donors by contribution amount
2 Orgs19 Individuals
Industry Impact
Which industries are materially affected by specific provisions in this bill. 1 helped.
- +Commercial Banksconfidence 0.95
Section 2(a) amends the Federal Deposit Insurance Act to provide examination relief for well-managed, well-capitalized insured depository institutions with $6B or less in assets, reducing regulatory burden via alternating limited-scope exams and combined examinations. Section 3(a) further reduces burden by minimizing examiner numbers, time, and scheduling flexibility. These provisions directly benefit commercial banks (and other depository institutions) by lowering compliance costs and oversight
Who funds the sponsor on these industries
For each industry this bill affects, here's what the sponsor (Rep. Timmons, William R. [R-SC-4])received from donors associated with that industry during the 2022–present cycles. Donations are not proof of intent — they are a record of who funds the people writing the law.
Industries this bill HELPS
- Commercial Banks$250from 1 contribution
- PAWLYK, SHELLEY$250
Related Bills
Other Bills by Rep. Timmons, William R.
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