H.R. 3380 · On the floor · Finance and Financial Sector

TAILOR Act of 2025

Sponsor: Barry Loudermilk (R-GA)

What it does

• Require federal financial regulators to tailor regulatory actions to limit burdens on institutions based on their risk profiles and business models.
• Mandate reporting to Congress on regulatory tailoring efforts and other related supervision issues.
• Reduce certain reporting requirements for community banks eligible for a simplified capital leverage ratio.
• Direct federal banking agencies to report on bank supervision modernization, including examiner workforce, training, and statutory changes needed for effective supervision.

Official summary

Taking Account of Institutions with Low Operation Risk Act of 2025 or the TAILOR Act of 2025 This bill addresses the supervision of financial institutions. Federal financial regulatory agencies must (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies to future regulatory actions and to regulations adopted within the last 15 years. The bill also reduces certain reporting requirements for community banks eligible for a simplified capital leverage ratio. Finally, federal banking agencies must report on the modernization of bank supervision, including examiner workforce and training and statutory changes necessary to achieve more effective supervision.

Latest action

Jun 4, 2025: Placed on the Union Calendar, Calendar No. 104.

Committee: House Financial Services