# 119-s-427: TAILOR Act of 2025

119-s-427, TAILOR Act of 2025, is a 119th Congress bill sponsored by Sen. Rounds, Mike [R-SD] (R-SD); status introduced; PRIA reads it as touching household money (as of 2026-08-12).

- Canonical: https://policyrisk.com/legislation/119-s-427
- As of: 2026-08-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-427
- Congress: 119
- Title: TAILOR Act of 2025
- Status: introduced
- Introduced: 2025-02-05
- Sponsor: Sen. Rounds, Mike [R-SD] (R-SD)
- Cosponsors: 7
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-08-12

## Summary

**Tailoring regulatory actions to institutions' risk profiles** is the bill's main goal. It requires federal banking regulators to limit burdens based on a firm’s risk and business model, reduce certain reporting for community banks, and report on modernizing supervision. - Community banks and small institutions: Banks eligible for the Community Bank Leverage Ratio get a reduced Call Report requirement for the first and third reports each year. The bill also requires agencies to review regulations issued over the past seven years and revise any that need tailoring within three years. - Federal regulators and examiners: The Office of the Comptroller of the Currency, the Federal Reserve Board, the FDIC, the National Credit Union Administration, and the Consumer Financial Protection Bureau must document how they considered risk profiles in every proposed and final rule. Each agency must report to Congress within one year and then annually on tailoring actions and must submit a joint report on modernizing supervision within 18 months, covering examiner workforce, training, technology, and needed statutory changes.

## Cosponsors (7)

- Sen. Tillis, Thomas [R-NC] (R-NC), 2025-02-05T00:00:00.000Z
- Sen. Hagerty, Bill [R-TN] (R-TN), 2025-02-05T00:00:00.000Z
- Sen. Lummis, Cynthia M. [R-WY] (R-WY), 2025-02-05T00:00:00.000Z
- Sen. Cramer, Kevin [R-ND] (R-ND), 2025-02-05T00:00:00.000Z
- Sen. Daines, Steve [R-MT] (R-MT), 2025-02-05T00:00:00.000Z
- Sen. Ricketts, Pete [R-NE] (R-NE), 2025-05-22T00:00:00.000Z
- Sen. McCormick, David [R-PA] (R-PA), 2026-08-07T00:00:00.000Z

## Provisions PRIA read

- Tailored bank rules by risk profile: benefit, high. If enacted, this would require the OCC, Federal Reserve Board, FDIC, NCUA, and CFPB to tailor any new proposed, interim, or final rule to the risk profile and business model of the types of institutions affected. Agencies would have to limit costs, staff burdens, and other impacts when appropriate.…
- Shorter Call Reports for Community Banks: benefit, medium. If enacted, this would require federal banking agencies to write rules allowing all banks that qualify for the Community Bank Leverage Ratio to file a reduced Call Report. The shorter report would apply to the first and third Call Report of each year. Agencies must issue implementing regulations af…

## Related bills

- 119-s-5025: Lindsey O. Graham Sanctioning Russia Act of 2026
- 119-s-587: Death Tax Repeal Act of 2025
- 119-s-186: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of 2025
- 119-s-6: Born-Alive Abortion Survivors Protection Act
- 119-s-1289: 25th Anniversary of 9/11 Commemorative Coin Act
- 119-s-213: Main Street Tax Certainty Act

## Sources
- [119-s-427 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/427)

## Related
- [119-s-5025: Lindsey O. Graham Sanctioning Russia Act of 2026](https://policyrisk.com/legislation/119-s-5025)
- [119-s-587: Death Tax Repeal Act of 2025](https://policyrisk.com/legislation/119-s-587)
- [119-s-186: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of…](https://policyrisk.com/legislation/119-s-186)
- [119-s-6: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-s-6)
- [119-s-1289: 25th Anniversary of 9/11 Commemorative Coin Act](https://policyrisk.com/legislation/119-s-1289)
- [119-s-213: Main Street Tax Certainty Act](https://policyrisk.com/legislation/119-s-213)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-427 (as of 2026-08-12).