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H.R. 6553119th CongressPlaced on the calendarLatest action Feb 25, 2026Decoded by AI · checked against the record
The plain-language version leads. The official text is always the reference.
The TIER Act of 2025 raises Dodd-Frank-era asset thresholds, like $250 billion to $370 billion, for stricter bank oversight.
45-second read · 4 questions answered below
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.
The bill affects large banks and financial companies, and the regulators overseeing them: the Federal Reserve, the Comptroller of the Currency, and the FDIC.
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.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: it was placed on the House floor calendar, and the official record shows no floor action on it since. If the Senate changes it, it goes back to the House before reaching the President.
Latest action: — Placed on the Union Calendar, Calendar No. 457.