Community Bank Regulatory Tailoring

(a) Threshold adjustments to account for historical increases in current-dollar United States Gross Domestic Product (1) Bank holding company act of 1956 The Bank Holding Company Act of 1956 (12 U.S.C. 1841 et seq.) is amended— (A) in section 5(c)(3)(C)(ii) (12 U.S.C. 1844(c)(3)(C)(ii)), by striking $1,000,000 and inserting $3,000,000; and (B) in section 13(h)(1)(B)(i) (12 U.S.C. 1851(h)(1)(B)(i)), by striking $10,000,000,000 and inserting $15,000,000,000. (2) Community reinvestment act of 1977 Section 809(a) of the Community Reinvestment Act of 1977 (12 U.S.C. 2908(a)) is amended by striking $250,000,000 and inserting $800,000,000. (3) Depository institution management interlocks act The Depository Institution Management Interlocks Act (12 U.S.C. 3201 et seq.) is amended— (A) in section 202(4) (12 U.S.C. 3201(4)), by striking $100,000,000 and inserting $600,000,000; (B) in section 203(1) (12 U.S.C. 3202(1)), by striking $50,000,000 and inserting $110,000,000; and (C) in section 204 (12 U.S.C. 3203)— (i) by striking $2,500,000,000 and inserting $10,000,000,000; and (ii) by striking $1,500,000,000 and inserting $10,000,000,000. (4) Dodd-Frank wall street reform and consumer protection act The Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5301 et seq.) is amended— (A) in section 210 (12 U.S.C. 5390)— (i) in subsection (o), by striking $50,000,000,000 in each place it appears and inserting $105,000,000,000; and (ii) in subsection (r), by striking $1,000,000 and inserting $5,000,000; and (B) in section 956(f) (12 U.S.C. 5641(f)), by striking $1,000,000,000 and inserting $3,000,000,000. (5) Federal credit union act The Federal Credit Union Act (12 U.S.C. 1751 et seq.) is amended— (A) in section 202 (12 U.S.C. 1782)— (i) in subsection (a)(6)(C)(iii)— (I) in the heading, by striking De MINIMUS and inserting De MINIMIS; and (II) by striking $10,000,000 and inserting $34,000,000; (ii) in subsection (a)(6)(D)— (I) by striking $500,000,000 and inserting $2,000,000,000; and (II) by striking $10,000,000 and inserting $34,000,000; (iii) in subsection (b)(1)(A), by striking $50,000,000 each place that term appears and inserting $170,000,000; and (iv) in subsection (c)(1)(A)(iii), by striking $50,000,000 each place that term appears and inserting $170,000,000; and (B) in section 216 (12 U.S.C. 1790d)— (i) in subsection (f)(2), by striking $10,000,000 and inserting $34,000,000; (ii) in subsection (i)(4)(B), by striking $5,000,000 and inserting $17,000,000; (iii) in subsection (j)(2)(A), by striking $25,000,000 and inserting $51,000,000; and (iv) in subsection (o)(4), by striking $10,000,000 and inserting $34,000,000. (6) Federal deposit insurance act The Federal Deposit Insurance Act (12 U.S.C. 1811 et seq.) is amended— (A) in section 7(a)(12) (12 U.S.C. 1817(a)(12)), by striking $5,000,000,000 and inserting $8,000,000,000; (B) in section 11(p)(1)(A)(i) (12 U.S.C. 1821(p)(1)(A)(i)), by striking $1,000,000 and inserting $5,000,000; (C) in section 36 (12 U.S.C. 1831m)— (i) in subsection (i), by striking $5,000,000,000 each place that term appears and inserting $21,000,000,000; and (ii) in subsection (j), by striking $150,000,000 each place that term appears and inserting $800,000,000; and (D) in section 38 (12 U.S.C. 1831o)— (i) in subsection (b), by striking $300,000,000 and inserting $2,000,000,000; and (ii) in subsection (k)— (I) by striking $50,000,000 and inserting $110,000,000; and (II) by striking $75,000,000 and inserting $150,000,000. (7) Federal home loan bank act Section 2(10) of the Federal Home Loan Bank Act (12 U.S.C. 1422(10)) is amended by striking $1,000,000,000 each place that term appears and inserting $3,000,000,000. (8) Federal reserve act The Federal Reserve Act (12 U.S.C. 221 et seq.) is amended— (A) in section 7(a)(1) (12 U.S.C. 289) by striking $10,000,000,000 each place that term appears and inserting $17,000,000,000; and (B) in section 22(h)(5)(C) (12 U.S.C. 375b(h)(5)(C)) by striking $100,000,000 and inserting $500,000,000. (9) Home mortgage disclosure act of 1975 The Home Mortgage Disclosure Act of 1975 (12 U.S.C. 2801 et seq.) is amended— (A) in the second paragraph (3) of section 304(i) (12 U.S.C. 2803(i)(3); relating to Exemption from certain disclosure requirements), by striking $30,000,000 and inserting $160,000,000; and (B) in section 309(a) (12 U.S.C. 2808(a)), by striking $10,000,000 and inserting $180,000,000. (10) Home owners’ loan act Section 5(u) of the Home Owners’ Loan Act (12 U.S.C. 1464(u)) is amended— (A) in paragraph (2)(A)(i), by striking $500,000 and inserting $3,000,000; and (B) in paragraph (2)(A)(ii), by striking $30,000,000 and inserting $160,000,000. (11) International lending supervision act of 1983 Section 909(a)(1) of the International Lending Supervision Act of 1983 (12 U.S.C. 3908(a)(1)) is amended by striking $20,000,000 and inserting $160,000,000. (12) Real estate settlement procedures act of 1974 Section 3(1)(B)(iv) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2602(1)(B)(iv)) is amended by striking $1,000,000 and inserting $19,000,000. (13) Revised statutes of the united states Section 5136A(a)(2)(D)(ii) of the Revised Statutes of the United States (12 U.S.C. 24a(a)(2)(D)(ii)) is amended by striking $50,000,000,000 and inserting $175,000,000,000. (14) Truth in lending act Section 129C(b)(2)(F)(i) of the Truth in Lending Act (15 U.S.C. 1639c(b)(2)(F)(i)) is amended by striking $10,000,000,000 and inserting $15,000,000,000. (b) Threshold adjustments to account for historical increases in current-dollar United States Gross Domestic Product (1) In general By April 1, 2031, and the 1st day of each subsequent 5-year period, the Board of Governors of the Federal Reserve System shall prescribe the amount by which each dollar amount described in subsection (a) shall be increased by the ratio, if greater than 1, of the annual value of current-dollar United States gross domestic product, published by the Department of Commerce, for the calendar year preceding the year in which the adjustment is calculated under this subsection, to the published annual value of current-dollar United States gross domestic product for the calendar year preceding April 1, 2026. (2) Currency of information The values used in the calculation under paragraph (1) shall be, as of the date of the calculation, the values most recently published by the Department of Commerce. (3) Rounding (A) If any amount equal to or greater than $100,000,000,000 determined under paragraph (1) for any period is not a multiple of $50,000,000,000, the amount shall be rounded up to the nearest $50,000,000,000. (B) If any amount less than $100,000,000,000 but equal to or greater than $10,000,000,000 determined under paragraph (1) for any period is not a multiple of $5,000,000,000, the amount shall be rounded up to the nearest $5,000,000,000. (C) If any amount less than $10,000,000,000 but equal to or greater than $1,000,000,000 determined under paragraph (1) for any period is not a multiple of $500,000,000, the amount shall be rounded up to the nearest $500,000,000. (D) If any amount less than $1,000,000,000 but equal to or greater than $100,000,000 determined under paragraph (1) for any period is not a multiple of $50,000,000, the amount shall be rounded up to the nearest $50,000,000. (E) If any amount less than $100,000,000 but equal to or greater than $10,000,000 determined under paragraph (1) for any period is not a multiple of $5,000,000, the amount shall be rounded up to the nearest $5,000,000. (F) If any amount less than $10,000,000 but equal to or greater than $1,000,000 determined under paragraph (1) for any period is not a multiple of $500,000, the amount shall be rounded up to the nearest $500,000. (G) If any amount less than $1,000,000 but equal to or greater than $100,000 determined under paragraph (1) for any period is not a multiple of $50,000, the amount shall be rounded up to the nearest $50,000. (H) If any amount less than $100,000 but equal to or greater than $10,000 determined under paragraph (1) for any period is not a multiple of $5,000, the amount shall be rounded up to the nearest $5,000. (I) If any amount less than $10,000 but equal to or greater than $1,000 determined under paragraph (1) for any period is not a multiple of $500, the amount shall be rounded up to the nearest $500. (J) If any amount less than $1,000 but equal to or greater than $100 determined under paragraph (1) for any period is not a multiple of $50, the amount shall be rounded up to the nearest $50. (K) If any amount less than $100 but equal to or greater than $10 determined under paragraph (1) for any period is not a multiple of $5, the amount shall be rounded up to the nearest $5. (L) If any amount less than $10 but equal to or greater than $1 determined under paragraph (1) for any period is not a multiple of $0.50, the amount shall be rounded up to the nearest $0.50. (4) Publication Not later than April 5 of any calendar year in which an adjustment is required to be calculated under paragraph (1), the Board of Governors of the Federal Reserve System shall publish in the Federal Register the dollar amounts as so calculated. (5) Implementation period The increase in the dollar amounts shall take effect on January 1 of the year immediately succeeding any calendar year in which an adjustment is required to be calculated under paragraph (1).