# 119-hr-3380: TAILOR Act of 2025

119-hr-3380, TAILOR Act of 2025, is a 119th Congress bill sponsored by Rep. Loudermilk, Barry [R-GA-11] (R-GA); status in_committee; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3380
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3380
- Congress: 119
- Title: TAILOR Act of 2025
- Status: in_committee
- Introduced: 2025-05-14
- Sponsor: Rep. Loudermilk, Barry [R-GA-11] (R-GA)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Tailor rules to banks' actual risk profiles** so regulators reduce one-size-fits-all burdens on lower-risk institutions and show how they applied that tailoring. The bill would force agencies to weigh banks' business models and the combined effect of rules on their ability to serve customers and local markets, disclose how tailoring was used, and review past regulations for possible revision.

## Cosponsors (1)

- Rep. Downing, Troy [R-MT-2] (R-MT), 2025-06-03T00:00:00.000Z

## Provisions PRIA read

- Shorter call reports for community banks: benefit, low. The bill would direct regulators to create a short Call Report for banks that qualify for the Community Bank Leverage Ratio. Eligible banks would use the short form for the first and third reports each year. Agencies would need to issue rules to put this in place. This could lower reporting time an…
- Risk-based rules for banks and credit unions: mixed, high. This bill would require the OCC, Fed, FDIC, NCUA, and CFPB to tailor post‑enactment rules by each institution’s risk and business model. In each proposed and final rule, they would explain how they cut costs and staffing burden and impacts on local service. They would weigh third‑party vendor risks…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-2570: Maximum Pressure Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-9298: Stopping Harmful and Outrageous Torts Act
- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-1799: Financial Reporting Threshold Modernization Act

## Sources
- [119-hr-3380 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3380)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-9298: Stopping Harmful and Outrageous Torts Act](https://policyrisk.com/legislation/119-hr-9298)
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-1799: Financial Reporting Threshold Modernization Act](https://policyrisk.com/legislation/119-hr-1799)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3380 (as of 2026-09-21).