This measure raises the dollar thresholds that determine which banks face stricter federal oversight, including stress tests and long-term “living will” plans required after the 2008 financial crisis. The threshold for the toughest scrutiny — currently set at $250 billion in assets — would jump to $370 billion, and several related Federal Reserve limits would also rise, including from $10 billion to $15 billion and from $50 billion to $75 billion in different provisions. Going forward, the Federal Reserve would automatically adjust these thresholds every five years based on growth in the U.S. economy, without Congress passing a new law each time. Banking regulators would also review related asset-size rules on the same five-year schedule and report any changes to Congress. The practical effect is that fewer large banks would fall under the toughest layer of federal bank supervision as the economy grows.
Corporate Benefits
- Enhanced-oversight asset threshold — Raised from $250 billion to $370 billion, exempting more large banks from stress-test and living-will rules
- Threshold indexing — Bank asset thresholds for enhanced oversight now rise automatically every 5 years tied to GDP growth, without new legislation
Congressional Summary
Tailoring and Indexing Enhanced Regulations Act of 2025 or the TIER Act of 2025This bill increases the dollar asset thresholds for various fees, reporting requirements, and regulatory supervision applicable to certain financial companies and banks.For example, the bill increases the asset threshold above whichbank holding companies and savings and loan companies must pay certain Federal Reserve Board assessments;financial holding companies need board approval to acquire a company;bank holding companies must report on the company’s financial condition to the Financial Stability Oversight Council; andbank holding companies may be subject to increased supervision if, among other things, they are found to pose a grave threat to U.S. financial stability.Periodically, the Federal Reserve Board must increase statutory thresholds and thresholds established by rule to reflect increases in the gross domestic product.
Legislative Subjects
Details
- Congress
- 119th
- Chamber
- House
- Status
- summarized
- Action
- Introduced in House
- Action Date
- 2025-12-10
- Date Added
- 2026-07-02
- Source
- Congress.gov →
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