# 119-s-5452: A bill to amend the Financial Stability Act of 2010 to provide for tailoring and indexing enhanced regulations.

119-s-5452, A bill to amend the Financial Stability Act of 2010 to provide for tailoring and indexing enhanced regulations., is a 119th Congress bill sponsored by Sen. Britt, Katie Boyd [R-AL] (R-AL); status introduced; PRIA reads it as touching household money (as of 2026-10-08).

- Canonical: https://policyrisk.com/legislation/119-s-5452
- As of: 2026-10-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-5452
- Congress: 119
- Title: A bill to amend the Financial Stability Act of 2010 to provide for tailoring and indexing enhanced regulations.
- Status: introduced
- Introduced: 2026-09-22
- Sponsor: Sen. Britt, Katie Boyd [R-AL] (R-AL)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-08

## Summary

**Raises and indexes the asset thresholds that trigger enhanced financial regulation.** This bill would lift multiple statutory asset triggers and create standing, five-year adjustment rules tied to broad economic indicators so coverage keeps pace with growth or inflation. - Banks and big financial firms: Would raise key statutory thresholds, for example the Bank Holding Company Act trigger from $10 billion to $15 billion and several systemic thresholds from $250 billion to $370 billion. - Regulators and rule-based limits: Would require the Board of Governors, the Office of the Comptroller of the Currency, and the FDIC to review and adjust rule-based thresholds at least every five years. The Board would pick whether to use nominal GDP or the Consumer Price Index within three months and report its choices to the House and Senate banking committees. - Who is affected: Would push the size cutoff for enhanced supervision higher so fewer institutions meet those triggers, while indexing those cutoffs so they rise automatically with the chosen economic indicator.

## Provisions PRIA read

- Higher dollar tests for banks: benefit, high. If enacted, this bill would immediately raise many statutory asset-size dollar tests. Examples: $10 billion would become $15 billion, $50 billion would become $75 billion, $100 billion would become $150 billion, and $250 billion would become $370 billion. These increases would take effect on enactm…
- Agency reviews of bank rule limits: mixed, high. This bill would require the Federal Reserve, OCC, and FDIC to review rules tied to enhanced supervision within 180 days and then at least every 5 years. Agencies must pick GDP or the CPI within 3 months for each rule threshold and use published values to raise nonstatutory numeric limits if the ind…
- Automatic increases to bank size tests: mixed, high. This bill would require the Federal Reserve Board to raise certain statutory dollar limits on bank and financial firm size. The Board must choose either U.S. nominal GDP or the Consumer Price Index within 3 months after enactment. Not later than 1 year after enactment and at least every 5 years, th…

## Related bills

- 119-s-1541: SHIPS for America Act of 2025
- 119-s-2142: GOLDEN DOME Act of 2025
- 119-s-4498: ABLE Tomorrow Act
- 119-s-2828: Child Care Modernization Act of 2025
- 119-s-4952: Protecting American Taxpayers Act
- 119-s-4378: Protecting American Taxpayers Act

## Sources
- [119-s-5452 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/5452)

## Related
- [119-s-1541: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-s-1541)
- [119-s-2142: GOLDEN DOME Act of 2025](https://policyrisk.com/legislation/119-s-2142)
- [119-s-4498: ABLE Tomorrow Act](https://policyrisk.com/legislation/119-s-4498)
- [119-s-2828: Child Care Modernization Act of 2025](https://policyrisk.com/legislation/119-s-2828)
- [119-s-4952: Protecting American Taxpayers Act](https://policyrisk.com/legislation/119-s-4952)
- [119-s-4378: Protecting American Taxpayers Act](https://policyrisk.com/legislation/119-s-4378)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-5452 (as of 2026-10-08).