Bill > HR6553

This bill, known as the Tailoring and Indexing Enhanced Regulations Act of 2025 (TIER Act of 2025), aims to update and automatically adjust certain financial thresholds to reflect changes in the U.S. economy, specifically the current-dollar United States Gross Domestic Product (GDP). It directly amends several key financial laws, including the Federal Reserve Act, the Bank Holding Company Act of 1956, and the Financial Stability Act of 2010. The bill increases specific monetary thresholds within these acts, for example, raising certain asset limits from $100 billion to $150 billion and others from $250 billion to $370 billion, which were originally set in dollar amounts and have not kept pace with inflation or economic growth. Furthermore, it introduces a mechanism for periodic adjustments to these and other regulatory thresholds every five years, starting in 2031, based on the ratio of current-dollar GDP. This ensures that regulations tied to these thresholds remain relevant and do not inadvertently capture more entities or activities than originally intended due to economic expansion. The bill also mandates that regulatory agencies like the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation (referred to as "the Corporation") review and adjust thresholds established by their own rules, not just those set by statute, to account for GDP increases, with the goal of maintaining uniformity and consistency in regulatory application.

Business and Industry

https://www.congress.gov/bill/119th-congress/house-bill/6553/all-info