The purpose of this legislation, known as the HUMPS Act of 2025, is to improve the CAMELS Rating System, which is used to evaluate the safety and soundness of financial institutions. The CAMELS system assesses six key areas: Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. The goal is to make the evaluation process more objective and consistent, reducing reliance on examiner judgment that can lead to subjective ratings.