A Republican bill with 7 Republican cosponsors · See all 7 cosponsors
Last activity — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
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. It mandates that agencies tailor regulations to limit impacts such as costs and human resource burdens. Agencies must disclose how they have applied these tailoring requirements in their rulemaking notices and documentation. Additionally, the bill requires annual reports to Congress regarding these specific tailoring actions. The legislation also directs the creation of reduced reporting requirements for certain banks. Finally, it requires a report on the modernization of bank supervision.
Yes· 3 of 4
- Scored +5
Would business owners be better off under this?
Financial institutions and business owners benefit from reduced regulatory burdens and more tailored oversight.
- Scored +4
Does this make it easier to run a small business?
The bill specifically targets reduced reporting requirements and tailored regulations for community banks, which supports smaller financial institutions.
- Scored +2
Does this make what the government does easier for the public to see?
The bill increases transparency by requiring agencies to disclose how they have applied tailoring requirements in their rulemaking.
The opposite
- Scored -2
Does this give people more protection from unfair business practices?
Tailoring regulations based on risk profiles might potentially reduce the stringency of certain consumer protections.
- Scored -1
Does this give the federal government more power?
By mandating specific review and reporting procedures, the bill imposes new requirements on existing federal agencies.
Who it would affect, and how
Potential Positive Impacts for People
-
Reduced Regulatory Burdens: By requiring agencies to tailor regulatory actions, the bill aims to limit the impact of costs, human resource allocation, and other burdens on institutions based on their risk profile and business model (Section 2(b)(2)).
-
Increased Flexibility for Local Markets: The bill requires agencies to consider how regulatory actions impact the ability of institutions to flexibly serve their customers and local markets (Section 2(c)(1)).
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Simplified Reporting for Specific Banks: The act directs agencies to establish reduced reporting requirements for banks eligible for the Community Bank Leverage Ratio (Section 3).
Potential Negative Impacts for People
- Regulatory Review Requirement: The bill requires agencies to conduct a review of all regulations issued in final form during a specific seven-year period and revise them as necessary, which may involve administrative efforts (Section 2(f)(1)).
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? — Financial institutions and business owners benefit from reduced regulatory burdens and more tailored oversight.
- Economy And Finance
- Does this make it easier to run a small business? — The bill specifically targets reduced reporting requirements and tailored regulations for community banks, which supports smaller financial institutions. Is this likely to grow the economy? — By reducing regulatory burdens on financial institutions, the bill may slightly foster economic growth through increased institutional flexibility. Does this give people more protection from unfair business practices? — Tailoring regulations based on risk profiles might potentially reduce the stringency of certain consumer protections.
- 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 have applied tailoring requirements in their rulemaking. Does this give the federal government more power? — By mandating specific review and reporting procedures, the bill imposes new requirements on existing federal agencies.
- 8/7/2026
- 1 Cosponsor added.
- 5/22/2025
- 1 Cosponsor added.
- 2/5/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 5 Cosponsors added.
- Introduced in Senate
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.
Kevin CramerRepublican · North Dakota
Steve DainesRepublican · Montana
Bill HagertyRepublican · Tennessee
Cynthia LummisRepublican · Wyoming
David McCormickRepublican · Pennsylvania
Pete RickettsRepublican · Nebraska
Thomas TillisRepublican · North Carolina