H.R. 6553Heading to a voteJobs & the economy
Bill would raise dollar thresholds for stricter bank oversight
Data as of July 23, 2026
The TIER Act of 2025 raises Dodd-Frank-era asset thresholds, like $250 billion to $370 billion, for stricter bank oversight.AI-decoded45-second read · 4 questions answered below
Decoded
AI-decodedWhat does this do?
This bill raises the dollar thresholds used to determine which banks face stricter federal oversight, such as changing $250 billion to $370 billion, and updates related figures in the Federal Reserve Act and other banking laws. It also creates an automatic process, starting in 2031, for the Federal Reserve to recalculate these thresholds every five years based on GDP growth, and requires regulators to periodically review and adjust similar dollar cutoffs in other bank rules, reporting changes to Congress.
Who does it affect?
The bill affects large banks and financial companies, and the regulators overseeing them: the Federal Reserve, the Comptroller of the Currency, and the FDIC.
Why does it matter?
Raising the thresholds means fewer banks would be classified as "large" and subject to stricter rules, at least until they grow past the new limits, which could affect how closely regulators monitor risks to the broader economy.
Where does it stand?
- Introduced
- House committee
- House vote — You are here
- Senate
- President's desk
Right now: it's headed for a House floor vote. If the Senate changes it, it goes back to the House before reaching the President.
AI-drafted summary. Verify it against the official text before you act on it.
Make the call
Three steps: where you stand, your script, the call.
See how a call works
Official title
TIER Act of 2025
- Introduced:
- December 10, 2025
- Latest action:
- February 25, 2026
Placed on the Union Calendar, Calendar No. 457.
Read the official bill on Congress.gov