A Republican bill with 1 Republican cosponsor · See the cosponsor
Last activity — Placed on the Union Calendar, Calendar No. 104.
Cleared committee, waiting for its first floor vote
A committee approved it and it is on the calendar of the chamber it started in.
This is further than most bills get, and still no promise of a vote: the calendar is a queue, and the majority leadership decides what is called. A bill can sit here until the Congress ends.
Its path through Congress
- Introduced
- On Calendar
What this bill would do
The TAILOR Act of 2025 requires Federal financial institutions regulatory agencies to consider the risk profiles and business models of institutions when taking regulatory actions. Agencies must tailor regulations to limit impacts such as costs and human resource burdens. The bill mandates that agencies disclose how they apply these considerations in rulemakings and submit annual reports to Congress. Additionally, it requires a review and potential revision of existing final regulations issued within the last 15 years. The Act also establishes reduced reporting requirements for certain banks and calls for a report on the modernization of bank supervision.
Yes· 3 of 5
- Scored +5
Would business owners be better off under this?
The bill significantly benefits business owners in the financial sector by reducing regulatory burdens and costs.
- Scored +4
Does this make it easier to run a small business?
The bill supports smaller institutions by requiring tailored regulations and reduced reporting for community banks.
- Scored +2
Would people in rural areas be better off under this?
By supporting community banks, the bill potentially benefits the local markets often found in rural areas.
The opposite
- Scored -2
Does this give people more protection from unfair business practices?
Reducing regulatory scrutiny might potentially diminish certain consumer protection oversight capabilities.
- Scored -2
Does this give the federal government more power?
The bill seeks to constrain the power of federal financial regulatory agencies.
Who it would affect, and how
Potential Positive Impacts for People
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Reduction of Regulatory Burdens: Agencies are required to tailor regulatory actions to limit costs, human resource allocation, and other burdens based on an institution's risk profile and business model (Section 2(b)(2)).
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Increased Flexibility for Customers: Agencies must consider how regulatory actions affect the ability of institutions to flexibly serve customers and local markets (Section 2(c)(1)).
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Reduced Reporting for Specific Banks: The bill directs the establishment of reduced reporting requirements for banks eligible for the Community Bank Leverage Ratio (Section 3).
Potential Negative Impacts for People
- No negative impacts are explicitly identified within the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — The bill significantly benefits business owners in the financial sector by reducing regulatory burdens and costs. Would people in rural areas be better off under this? — By supporting community banks, the bill potentially benefits the local markets often found in rural areas.
- Economy And Finance
- Does this make it easier to run a small business? — The bill supports smaller institutions by requiring tailored regulations and reduced reporting for community banks. Is this likely to grow the economy? — The bill may slightly improve economic growth by reducing regulatory burdens on financial institutions. Does this give people more protection from unfair business practices? — Reducing regulatory scrutiny might potentially diminish certain consumer protection oversight capabilities.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill increases transparency by requiring agencies to disclose how they apply tailoring standards in rulemaking. Does this give the federal government more power? — The bill seeks to constrain the power of federal financial regulatory agencies.
- 6/4/2025
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-135.
- Placed on the Union Calendar, Calendar No. 104.
- 6/3/2025
- 1 Cosponsor added.
- 5/21/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 23.
- 5/14/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Troy DowningRepublican · Montana