H.R. 6553 · Where this bill is now
Waiting for a House vote
Approved by committee Feb 25, 2026; no House vote yet
What this bill does
In plain words · AI-written from the official summaryRaises asset thresholds for bank regulations
This bill increases the dollar amounts of assets that trigger various fees, reporting rules, and oversight for banks and financial companies. For instance, it raises the thresholds that determine when bank holding companies have to pay certain Federal Reserve fees, when they need approval to buy other companies, and when they must report their financial health to regulators. The bill also requires the Federal Reserve to periodically adjust these thresholds over time to keep up with economic growth.
How it affects you
The main effect is on banks and large financial companies—smaller banks may face fewer regulatory requirements and fees under the new, higher thresholds. Everyday people might see indirect effects through changes in banking services or fees, though the official summary doesn't spell out specific impacts on individual customers or account holders.
Read the official summary (Introduced in House, Dec 10, 2025)
Tailoring and Indexing Enhanced Regulations Act of 2025 or the TIER Act of 2025
This bill increases the dollar asset thresholds for various fees, reporting requirements, and regulatory supervision applicable to certain financial companies and banks.
For example, the bill increases the asset threshold above which
• bank holding companies and savings and loan companies must pay certain Federal Reserve Board assessments;
• financial holding companies need board approval to acquire a company;
• bank holding companies must report on the company’s financial condition to the Financial Stability Oversight Council; and
• bank holding companies may be subject to increased supervision if, among other things, they are found to pose a grave threat to U.S. financial stability.
Periodically, the Federal Reserve Board must increase statutory thresholds and thresholds established by rule to reflect increases in the gross domestic product.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
1st SessionH. R. 6553
A BILL
TIER Act of 2025
Sponsor: Rep. Andy Barr (R-KY-6) · Introduced Dec 10, 2025 · Finance and Financial Sector · 2 versions of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Feb 25, 2026: “Placed on the Union Calendar, Calendar No. 457.”
Sections
The wording of this bill hasn’t changed across its 2 official versions.