TAILOR Act of 2025
Sponsored By: Representative Loudermilk
In Committee
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.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Risk-based rules for banks and credit unions
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 and the law’s purpose, and send Congress yearly reports on tailoring actions. Agencies would review existing rules tied to laws from 15 years before introduction up to enactment. Any rule they decide to update in that review must be revised within 3 years after enactment.
Shorter call reports for community banks
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 and costs for those community banks.
Sponsors & CoSponsors
Sponsor
Loudermilk
GA • R
Cosponsors
Rep. Downing, Troy [R-MT-2]
MT • R
Sponsored 6/3/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov