TIER Act of 2025
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Overview
The Tailoring and Indexing Enhanced Regulations Act of 2025 (TIER Act) adjusts financial regulatory thresholds to account for inflation. Specifically, it increases asset thresholds for various assessments, reporting requirements, and supervisory actions by financial companies, including bank holding companies and savings and loan companies. The bill mandates periodic adjustments to these thresholds based on increases in the U.S. Gross Domestic Product (GDP), ensuring that regulations remain relevant and appropriately sized relative to the scale of financial institutions. It also requires agencies to review and potentially modify existing regulations that rely on these thresholds.
Key provisions
- Increases asset thresholds for Federal Reserve Board assessments for bank holding companies and savings and loan companies.
- Raises the asset threshold required for bank holding companies to obtain board approval for acquisitions.
- Requires bank holding companies to report on the financial condition of subsidiaries to the Financial Stability Oversight Council.
- Increases the threshold for increased supervision of bank holding companies deemed to pose a threat to U.S. financial stability.
- Establishes a process for periodic adjustments to thresholds based on annual GDP increases, starting in 2031.
- Requires agencies to review and potentially modify regulations tied to specific asset thresholds.
- Specifies how the GDP-based adjustments should be calculated and rounded.
- Mandates publication of adjusted threshold amounts by the Board of Governors.
Bill text
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Sponsors
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8 on record
Primary sponsor
Cosponsors
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