Community Bank Regulatory Tailoring Act
Sponsored By: Representative Barr
In Committee
Summary
This bill would raise and automatically index dollar thresholds across many federal financial laws to keep regulatory tests and reporting tied to economic growth. It targets dozens of statutes that set numeric triggers for supervision, exemptions, reporting, and penalties, and it creates a five‑year automatic update tied to nominal GDP.
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Bill Overview
Analyzed Economic Effects
15 provisions identified: 15 benefits, 0 costs, 0 mixed.
Bigger tests for savings associations
If enacted, this would raise two monetary tests under the Home Owners' Loan Act to $3 million and $160 million. Savings associations between the old and new amounts would face fewer statutory limits. The changes would take effect upon enactment.
Five‑year automatic dollar updates
If enacted, this would require the Federal Reserve Board to adjust every dollar amount in the Act every five years starting by April 1, 2031. Increases would be tied to the ratio of current-dollar U.S. GDP to a 2026 base, rounded up under a schedule, published by April 5, and taking effect January 1 after calculation. Adjustments apply only if the GDP ratio is greater than 1.
Higher bank holding thresholds
If enacted, this would raise two dollar tests used for bank holding company coverage to $15 billion and $3 million. Firms that exceeded the old tests but fall under the new amounts would face fewer rules and lower compliance costs. The changes would take effect upon enactment.
Higher Community Reinvestment cutoff
If enacted, this would raise the Community Reinvestment Act size test from $250 million to $800 million. Banks and thrifts between those amounts would be subject to fewer CRA rules. The change would take effect upon enactment.
Higher Dodd‑Frank dollar tests
If enacted, this would raise several Dodd‑Frank monetary thresholds. Examples include changing $50 billion to $105 billion, $1 million to $5 million, and $1 billion to $3 billion. Fewer firms would be covered by some supervisory and size-based rules. The changes would take effect upon enactment.
Higher FDIA supervisory limits
If enacted, this would raise many Federal Deposit Insurance Act dollar limits. Examples include raising $1 million to $5 million, $5 billion to $8 billion, and some $5 billion tests to $21 billion. Banks and insurers between the old and new amounts would trigger fewer supervisory actions. The changes would take effect upon enactment.
Higher Federal Home Loan tests
If enacted, this would replace every $1 billion test in a Federal Home Loan Bank definition with $3 billion. Member banks and activities between those amounts would face fewer restrictions. The change would take effect upon enactment.
Higher federal lending cap
If enacted, this would raise a statutory Revised Statutes cap from $50 billion to $175 billion. That would allow larger federal lending or guarantee actions under the referenced authority. The change would take effect upon enactment.
Higher Federal Reserve Act tests
If enacted, this would raise two Federal Reserve Act dollar tests. One would rise from $100 million to $500 million. Other $10 billion tests would change to $17 billion. The changes would reduce how many transactions fall under those rules and would take effect upon enactment.
Higher HMDA applicability tests
If enacted, this would raise two HMDA monetary thresholds. One exemption cutoff would go from $30 million to $160 million and another from $10 million to $180 million. Fewer lenders would have to submit those disclosures. The changes would take effect upon enactment.
Higher international lending cutoff
If enacted, this would raise the international lending supervision cutoff from $20 million to $160 million. Fewer loans and lenders would meet the lower-dollar supervision test. The change would take effect upon enactment.
Higher RESPA monetary cutoff
If enacted, this would raise a RESPA monetary test from $1 million to $19 million. That would reduce the number of transactions or providers caught by this lower-dollar RESPA test. The change would take effect upon enactment.
Higher Truth in Lending cutoff
If enacted, this would raise a Truth in Lending Act cutoff from $10 billion to $15 billion. Fewer creditors or transactions would trigger the referenced rule. The change would take effect upon enactment.
Looser management interlock tests
If enacted, this would raise several management interlock dollar tests. Examples include raising $100 million to $600 million and several larger amounts to $10 billion. Firms that were restricted under the old tests but fall below the new amounts would face fewer limits on shared management. The changes would take effect upon enactment.
Many credit union threshold increases
If enacted, this would raise many dollar tests that apply to federal credit unions. Examples include raising $50 million to $170 million, $500 million to $2 billion, and $10 million to $34 million. Credit unions between the old and new amounts would face fewer statutory limits. The changes would take effect upon enactment.
Sponsors & CoSponsors
Sponsor
Barr
KY • R
Cosponsors
Rep. Gottheimer, Josh [D-NJ-5]
NJ • D
Sponsored 1/20/2026
Rep. Meuser, Daniel [R-PA-9]
PA • R
Sponsored 1/20/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov