YourVoice.Now Summary
Corporate BenefitsTransparency & AccountabilityHigh-Earner BenefitsYour MoneyMore lenders would skip audits and home-loan reports — and the size limits rise every five years.
Corporate Benefits
A 2010 law bars banks from trading for their own profit or owning hedge funds. Banks under $10 billion in assets already sit outside it, and the bill moves that line to $15 billion for banks whose trading is a small part of their business.
Federal law blocks one person from helping run two competing banks. The ban bites today when one holds over $2.5 billion and the other over $1.5 billion; the bill sets both figures at $10 billion.
When regulators wind down a failing financial giant, the FDIC bills large firms to recover the cost. Only firms above $50 billion in assets can be charged today, and the bill raises that to $105 billion.
Member banks own stock in the Federal Reserve and get a yearly dividend on it. Big banks get the lower of 6 percent or the 10-year Treasury rate; the bill moves that size line from $10 billion to $17 billion.
Starting in 2031, and every five years after, the Fed would raise each dollar limit here to match growth in the economy. The limits can only go up, and each rise starts the next January 1.
Transparency & Accountability
Lenders report the race, income and result of each home-loan application, and anyone can look it up. Lenders with $10 million or less in assets are exempt today; the bill raises that to $180 million.
A 1977 law grades banks on whether they lend in the lower-income areas where they take deposits. Banks up to $250 million in assets are graded only every four or five years; the bill lifts that line to $800 million.
An outside accounting firm must audit a bank once it passes a size line now set at $150 million, and a credit union once it reaches $500 million. The bill moves those lines to $800 million and $2 billion.
When a failure costs the insurance fund more than $50 million, a watchdog must dig into what went wrong. The bill lifts that to $110 million for banks, and from $25 million to $51 million for credit unions.
The Federal Reserve can lift the cap on what a bank lends to its own officers, directors and big owners. It can do that today for banks under $100 million in deposits; the bill raises that to $500 million.
High-Earner Benefits
Federal law tells regulators to bar bank pay plans that reward risky bets, and to report those plans. Banks under $1 billion in assets are exempt today; the bill raises that line to $3 billion.
Your Money
The rules give you a written cost estimate before closing and ban kickbacks. Lenders outside the banking system are covered at $1 million a year in home loans, and the bill moves that line to $19 million.
A lender that keeps your home loan on its own books is treated as having met the federal test that you can repay. That cover reaches lenders under $10 billion today; the bill raises it to $15 billion.
More about this bill
Your bank or credit union would face fewer federal checks. Less of its lending record would reach the public. The bill lifts 37 dollar limits set in 14 banking laws. Each limit decides how big a firm can be and still skip a rule. Home-loan reporting is one. A lender is exempt today at $10 million in assets; the bill sets that line at $180 million. Most people would see no change at their own branch. Outside audits, trading rules, and reviews of failed banks all shift the same way. The limits would also keep rising on their own. By April 1, 2031, and every five years after, the Federal Reserve would raise each one to track growth in the economy. They can only go up. Each rise would start the next January 1.
Congressional Summary
Community Bank Regulatory Tailoring Act This bill increases various statutory dollar amount thresholds applicable to financial regulations and requires periodic adjustments to such amounts in the future. By raising these thresholds, the bill expands the access of financial institutions to less stringent requirements. The adjustments apply to several asset thresholds used to regulate insured depository institutions, bank holding companies, credit unions, and other financial entities. Thresholds that are increased under this bill include those applicable to the Volcker Rule, which prohibits certain larger banking entities from engaging in proprietary trading or from having an interest in hedge funds or a private equity fund; limited routine examinations of smaller insured depository institutions to assess an institution’s record of meeting the credit needs of its community, including low- and moderate-income neighborhoods; risk assessments charged to larger bank holding companies by the Federal Deposit Insurance Corporation in accordance with the orderly liquidation authority under the Dodd-Frank Wall Street Reform and Consumer Protection Act; and home mortgage disclosures required by certain larger financial institutions. Every five years, the Federal Reserve Board must establish the ratio by which these amounts must be raised. This ratio shall reflect increases in the U.S. gross domestic product.
Legislative Subjects
Details
- Congress
- 119th
- Chamber
- House
- Status
- summarized
- Action
- Reported to House
- Action Date
- 2026-03-19
- Date Added
- 2026-09-09
- Source
- Congress.gov →
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