Bill would force bank regulators to size rules to institutions' risk
Placed on the calendarH.R. 3380Latest action
Sponsor: Barry Loudermilk · Representative · GA
AIDecoded by AI · checked against the recordRead the official text
Official title: TAILOR Act of 2025
119th Congress
Topics: Jobs & the economy
Introduced:
Read the official bill on Congress.govIn plain words
The plain-language version comes first. The official text is always the reference.
The TAILOR Act would require bank regulators to scale rules to an institution's size and risk, easing burdens for smaller banks.
55-second read · 4 questions answered below
What does this do?
The TAILOR Act of 2025 would require federal banking regulators to consider each institution's size, risk level, and business model before applying new regulations, so smaller or lower-risk institutions face less burden than larger ones. Agencies must publicly explain this tailoring when proposing and finalizing rules, report annually to Congress, and revise rules issued over the past 15 years within three years. It also directs creation of a simplified call report for small banks using the Community Bank Leverage Ratio and a report on modernizing bank supervision within 18 months.
Who does it affect?
The bill affects the OCC, Federal Reserve, FDIC, National Credit Union Administration, and Consumer Financial Protection Bureau, along with banks and credit unions—especially community banks and credit unions. Consumers could be indirectly affected through changes in banking costs or availability.
Why does it matter?
The change would alter how regulators apply and review rules, shifting compliance burdens differently across institutions based on size and risk. Consumers may see effects on the cost, availability, or oversight of banking services in their communities.
AI-drafted summary. Check it against the official text before you act on it.
Read the official bill on Congress.govMake the call
Where does it stand?
- IntroducedMay 14, 2025
- House committee
- House voteYou are here · Jun 4, 2025
- Senate
- The president's desk
Right now: it was placed on the , 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. 104.