A Republican bill with 7 Republican cosponsors · See all 7 cosponsors
Last activity — Placed on the Union Calendar, Calendar No. 457.
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 TIER Act of 2025 aims to index various financial statutory thresholds to account for changes in the United States gross domestic product. It immediately increases specific asset thresholds within the Federal Reserve Act, the Bank Holding Company Act of 1956, and the Financial Stability Act of 2010. The bill also establishes a system for periodic adjustments to these thresholds every five years based on GDP growth. Additionally, it directs federal agencies to review and modify regulatory thresholds established by rule. These updates ensure that financial thresholds rise alongside the economy.
Yes
- Scored +5
Would business owners be better off under this?
The bill increases the asset thresholds required to trigger certain banking regulations, providing relief to large-scale financial entities.
- Scored +5
Does this make it easier to run a small business?
The bill raises asset thresholds for financial institutions, which can reduce the regulatory burden on mid-sized banks.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Updated Financial Thresholds: The bill increases several asset thresholds, such as raising the amount in the Federal Reserve Act from $100,000,000,000 to $150,000,000,000 (Section 2(a)).
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Future Economic Alignment: By establishing periodic adjustments every five years based on the ratio of current-dollar GDP, the bill ensures thresholds stay current with the economy (Section 3(a)).
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Regulatory Consistency: The bill directs the Board of Governors, the Comptroller of the Currency, and the Corporation to review and modify regulatory thresholds to establish uniform standards (Section 3(b)).
Potential Negative Impacts for People
- No negative impacts are explicitly stated in 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 increases the asset thresholds required to trigger certain banking regulations, providing relief to large-scale financial entities.
- Economy And Finance
- Does this make it easier to run a small business? — The bill raises asset thresholds for financial institutions, which can reduce the regulatory burden on mid-sized banks.
- 2/25/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-532.
- Placed on the Union Calendar, Calendar No. 457.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 2 Cosponsors added.
- 12/15/2025
- 2 Cosponsors added.
- 12/12/2025
- 3 Cosponsors added.
- 12/10/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Frank LucasRepublican · Oklahoma
Daniel MeuserRepublican · Pennsylvania
Tim MooreRepublican · North Carolina
Zachary NunnRepublican · Iowa
Maria SalazarRepublican · Florida
Pete SessionsRepublican · Texas
Roger WilliamsRepublican · Texas