# 119-hr-3230: Financial Institution Regulatory Tailoring Enhancement Act

119-hr-3230, Financial Institution Regulatory Tailoring Enhancement Act, is a 119th Congress bill sponsored by Rep. Barr, Andy [R-KY-6] (R-KY); status in_committee; PRIA reads it as touching household money (as of 2026-10-09).

- Canonical: https://policyrisk.com/legislation/119-hr-3230
- As of: 2026-10-09
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3230
- Congress: 119
- Title: Financial Institution Regulatory Tailoring Enhancement Act
- Status: in_committee
- Introduced: 2025-05-07
- Sponsor: Rep. Barr, Andy [R-KY-6] (R-KY)
- Cosponsors: 2
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-09

## 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. - 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).

## Cosponsors (2)

- Rep. Sessions, Pete [R-TX-17] (R-TX), 2025-05-19T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-05-07T00:00:00.000Z

## Provisions PRIA read

- Some bank rules apply only above $50 billion: mixed, high. 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. Hous…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-833: Educational Choice for Children Act of 2025
- 119-hr-137: TCJA Permanency Act
- 119-hr-21: Born-Alive Abortion Survivors Protection Act

## Sources
- [119-hr-3230 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3230)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-833: Educational Choice for Children Act of 2025](https://policyrisk.com/legislation/119-hr-833)
- [119-hr-137: TCJA Permanency Act](https://policyrisk.com/legislation/119-hr-137)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3230 (as of 2026-10-09).