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Financial Regulation Update: Higher Asset Thresholds for Enhanced Bank Oversight.

This law significantly raises the asset thresholds that determine which banks and financial companies face the strictest federal regulations. The goal is to tailor oversight to economic growth and reduce compliance burdens for medium-to-large institutions. It also establishes a system to automatically increase these thresholds every five years based on GDP growth.
Key points
Immediate increase of asset thresholds (e.g., from $250 billion to $370 billion) for banks subject to enhanced financial supervision.
Introduction of automatic indexing of regulatory thresholds every five years, starting in 2031, based on the growth of the Gross Domestic Product (GDP).
Reduced regulatory burden for many medium and large financial institutions, potentially affecting their operational costs and lending capacity.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_6553
Sponsor: Rep. Barr, Andy [R-KY-6]
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Summarized by: gemini-2.5-flash-preview-09-2025
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

TIER Act of 2025

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_6553.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

What are the main provisions?

Key points include:

  • Immediate increase of asset thresholds (e.g., from $250 billion to $370 billion) for banks subject to enhanced financial supervision.
  • Introduction of automatic indexing of regulatory thresholds every five years, starting in 2031, based on the growth of the Gross Domestic Product (GDP).
  • Reduced regulatory burden for many medium and large financial institutions, potentially affecting their operational costs and lending capacity.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Barr, Andy [R-KY-6].

What is the latest detailed status?

The latest detailed status is: Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-23.

CATEGORIES

Economy