Financial Institution Regulatory Tailoring Enhancement Act
Sponsored By: Representative Barr
In Committee
Summary
Raises asset thresholds to $50 billion, shifting several federal financial rules to only apply to the largest firms. This bill would increase the asset cutoffs that determine which banks and financial firms face certain supervisory and conduct rules, narrowing coverage from the current $10 billion level to $50 billion across four statutory regimes.
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- Mid-size financial institutions (those between $10 billion and $50 billion in assets) would be excluded from supervision or requirements under the four named regimes, reducing the set of firms subject to those specific rules.
- Very large, asset-rich institutions ($50 billion or more) would continue to face supervision and the more stringent rules under the Consumer Financial Protection Bureau (CFPB), the Volcker Rule, Qualified Mortgage standards, and specified leverage and risk-based capital requirements.
- The bill targets four statutory references: the Consumer Financial Protection Act (12 U.S.C. 5515 and 5516), the Bank Holding Company Act (12 U.S.C. 1851(h)(1)(B)(i)), the Truth in Lending Act (15 U.S.C. 1639c(b)(2)(F)(i)), and the Economic Growth, Regulatory Relief, and Consumer Protection Act (12 U.S.C. 5371 note).
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
Some bank rules apply only above $50 billion
This bill would raise key asset thresholds from $10 billion to $50 billion. Banks and lenders with under $50 billion in assets would face fewer federal rules. It would raise the cutoffs for CFPB supervision, the Volcker Rule, some Qualified Mortgage standards, and certain capital requirements. Households could see indirect effects on loans and bank services, but no direct payments are provided.
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Sponsors & CoSponsors
Sponsor
Barr
KY • R
Cosponsors
Sessions
TX • R
Sponsored 5/19/2025
Rep. Meuser, Daniel [R-PA-9]
PA • R
Sponsored 5/7/2025
Roll Call Votes
No roll call votes available for this bill.
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